Legal Question in Credit and Debt Law in Iowa

Judgement

I have recieved papers from the clerk of court notifying me of a judgement filed against me by a band of lawyers representing the bank of america regarding $3,782 in neglected credit card debt. I must reply within 20 days of the this judgement (which was filed on June 9th, 2008), or the decision will default to the Bank of America. What's the best thing I can do? I don't want garnished wages or liens. I don't want to make a deal with these lawyers and fall through one of the loopholes they know about.


Asked on 6/21/08, 2:23 pm

2 Answers from Attorneys
David Anderson Anderson Business Law LLC

Re: Judgement

Is the debt valid?

If so, can you make payments?

If not, you have 3 choices:

1) FIle Bky

2) Disappear

3) Hire atty to negotiate discounted arrangement.

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Answered on 6/21/08, 4:40 pm
Randal Ford Ford Firm

Re: Judgement

I do not practice law in your state but I STRONGLY suggest you get a lawyer! I defend these cases in Alabama and the lawyers may not have ANY paperwork to show at court, no witnesses and the Statute of Limitations may apply. GET A LOCAL LAWYER! Or check out NACA.net

Good Luck!

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Answered on 6/21/08, 5:06 pm


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