Legal Question in Credit and Debt Law in North Carolina
Credit Card Judgement
I had a judgement entered against me. I was never told of the court date, and could not defend myself. they got a default judgement.I was told i had 20 days to pay. i literally live paycheck to paycheck. what can i do? I dont want my entire paycheck garnished.
1 Answer from Attorneys
Re: Credit Card Judgement
If you were served with a complaint and chose not to answer it, there would have been no court date. You would be in default for not answering which allows the Plaintiff to ask for an entry fo default and a default judgment. If you had answered it, then it would have gone from there. It is extremely important to answer any court filings you receive and seek help immediately.
I don't know what you mean when you say "you have 20 days to pay" If the Creditor took the next step, then you were served with a Notice of Rights to claim exemptions. You have 20 days to answer that or else no property you have will be considered exempt. It is of the utmost importance that you fill out the Notice of Rights and file it with the court (with a copy to the Plaintiff) within 20 days of being served. If you need help filling it out, get assistance immediately. You may want to try legal aid.
- Jeff
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