My question involves collection proceedings in the State of: California
I have a small claims judgement from 2007 for $4800. I have been in contact with creditor for 2 yrs. We have agreed for over two years on a settlement of $2400. However the creditor says I'm not in they're system any longer and show a zero balance due and have no idea where to apply my payment or who I should pay. The court or them. I agreed to pay the court but requested a formal agreement letter to submit with the payment to court so I can also file a satisfaction of judgement. This has been the hang up for 2 yrs. I don't know what to do anymore. I want to buy a house but this is holding me up. How can I get the creditor to resolve this issue already. Ive never heard of a creditor refusing to accept your payment because they don't know where to apply it. The simple solution is to get the formal agreement letter from them and pay the court. But I cant do anything when they wont provide that letter to me. They now seem to be ignoring my calls and emails. Which is unheard of when your willing to pay someone money. I have an email string where they agree to my settlement of $2400. But in the same email they state they don't know where to apply my payment because they're new system shows a zero balance and no money due. They also don't know who I should pay them or the courts. Is there anything I can file in court to force them to resolve this issue. Would an agreement by email exchange be sufficient to show the court clerk they agreed to settle for less than what's owed and pay the court that amount.
I called a debt settlement attorney today and he says he doesn't know what I can do at this point. But he also said he would need 5K to look into the issue with no guarantee that he can resolve it for me. Why would I pay him 5k when he just told me he doesn't know what to do in this situation. I really don't know what to do from here. Any and all advice is more than appreciated!
I have a small claims judgement from 2007 for $4800. I have been in contact with creditor for 2 yrs. We have agreed for over two years on a settlement of $2400. However the creditor says I'm not in they're system any longer and show a zero balance due and have no idea where to apply my payment or who I should pay. The court or them. I agreed to pay the court but requested a formal agreement letter to submit with the payment to court so I can also file a satisfaction of judgement. This has been the hang up for 2 yrs. I don't know what to do anymore. I want to buy a house but this is holding me up. How can I get the creditor to resolve this issue already. Ive never heard of a creditor refusing to accept your payment because they don't know where to apply it. The simple solution is to get the formal agreement letter from them and pay the court. But I cant do anything when they wont provide that letter to me. They now seem to be ignoring my calls and emails. Which is unheard of when your willing to pay someone money. I have an email string where they agree to my settlement of $2400. But in the same email they state they don't know where to apply my payment because they're new system shows a zero balance and no money due. They also don't know who I should pay them or the courts. Is there anything I can file in court to force them to resolve this issue. Would an agreement by email exchange be sufficient to show the court clerk they agreed to settle for less than what's owed and pay the court that amount.
I called a debt settlement attorney today and he says he doesn't know what I can do at this point. But he also said he would need 5K to look into the issue with no guarantee that he can resolve it for me. Why would I pay him 5k when he just told me he doesn't know what to do in this situation. I really don't know what to do from here. Any and all advice is more than appreciated!
Settling a Debt: How to Force a Creditor to Accept Payment That Has Been Agreed Upon
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