My question involves judgment recovery in the State of: Fairfax, VA
I received judgement in August 2015 for $22,000. The debt is mine. It’s for an unsecured credit card. Anyhow, I live in Washington, DC but the judgement is for a Credit union in Fairfax, VA. The judgement case was filed and entered in Fairfax, County - Virginia. The judgment is a law firm on behalf of the Credit Union. I want to reach out to the law firm and see if I can negotiate a pay plan. I’m not able to come up with a lump sum. I’m willing to pay between $300-$500 a month. I’m going to see if they are willing to do $300 if not then I will counter and go up to to $500. I really do not want to have to file for bankruptcy. I understand it’s on your credit for 10 years. Plus I’m in the process of going to the IRS and working out a deal to pay back taxes. So, I’m not able to file until I get my IRS situation straightened out. I’m concerned that the law firm will try and go after my wages or file a lien against my condo. I have two. One I live in and one I rent out. I lose money every month on the one I rent out. How long will I receive notice for garnishment or lien against my properties? If I approach the law firm and ask to negotiate a payment plan do you think they’ll be open for this. I tried to do this before the court date but the law firm wanted 10K up front. They wouldn’t settle for a monthly plan. So, I had no choice but to accept the default decision.
If I approach the law firm, do I have to give them any personal information, like where I work. Or what bank do I use. Or what the specifics about my condo ownership(s)? I do intend to pay them back ALL of the money within the next 8 months. I’m suppose to be coming into some money in 2016. Since this happened in August, I’m concerned about the following: How soon will they try and garnish my wages or file a lien against my property? When will I receive notification of such? If I get anything like that in the near future, will I be notified first before they do it? What are my options if they do it. Help.
I received judgement in August 2015 for $22,000. The debt is mine. It’s for an unsecured credit card. Anyhow, I live in Washington, DC but the judgement is for a Credit union in Fairfax, VA. The judgement case was filed and entered in Fairfax, County - Virginia. The judgment is a law firm on behalf of the Credit Union. I want to reach out to the law firm and see if I can negotiate a pay plan. I’m not able to come up with a lump sum. I’m willing to pay between $300-$500 a month. I’m going to see if they are willing to do $300 if not then I will counter and go up to to $500. I really do not want to have to file for bankruptcy. I understand it’s on your credit for 10 years. Plus I’m in the process of going to the IRS and working out a deal to pay back taxes. So, I’m not able to file until I get my IRS situation straightened out. I’m concerned that the law firm will try and go after my wages or file a lien against my condo. I have two. One I live in and one I rent out. I lose money every month on the one I rent out. How long will I receive notice for garnishment or lien against my properties? If I approach the law firm and ask to negotiate a payment plan do you think they’ll be open for this. I tried to do this before the court date but the law firm wanted 10K up front. They wouldn’t settle for a monthly plan. So, I had no choice but to accept the default decision.
If I approach the law firm, do I have to give them any personal information, like where I work. Or what bank do I use. Or what the specifics about my condo ownership(s)? I do intend to pay them back ALL of the money within the next 8 months. I’m suppose to be coming into some money in 2016. Since this happened in August, I’m concerned about the following: How soon will they try and garnish my wages or file a lien against my property? When will I receive notification of such? If I get anything like that in the near future, will I be notified first before they do it? What are my options if they do it. Help.
Default Judgments: Received Default Judgement for Credit Card
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