Legal Question in Credit and Debt Law in Pennsylvania

Judgments

Can you bargin with a collection agency after they have obtained a judgment against you? I have some money but to be able to pay or settle all off my debts I need to make some deals.


Asked on 2/07/08, 9:19 am

2 Answers from Attorneys

John Gibson John W. Gibson, Esquire

Re: Judgments

If it is the "collection agency" which obtained the judgment then there are usually applicable defenses. If the judgment was obtained before a Magisterial District Judge and it was less than 30 days ago, you may want to appeal, depending on the amount. If it is a very large amount it may even be worthwhile considering a Petition to Vacate the Judgment.

In any event, it is better to deal from a position of strength with debt collectors and that is usually before they obtain a judgment. Once they have a judgment there is a lot less incentive to negotiate.

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Answered on 2/09/08, 2:08 pm
Mark Johns Mark Johns, Esquire

Re: Judgments

If you have no real property most collection agencies will negotiate. An attorney can help by threatening to open default judgments and other means. I offer free initial consultations.

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Answered on 2/07/08, 9:36 am


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