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Additional Details
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Gina f | Can you negotiate with creditors even though it has already gone into judgment? |
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 |
 
echo
 |
Yikes I was beginning to wonder if anyone was going to give you an even halfway decent answer after seeing the first couple of posts. But, there are a small few that came through for you.
Yes you can try to negotiate.
If you had tried to negotiate before it actually went before the judge you would have a little more leverage, as another poster mentioned.
But that doesn't mean they won't try and work with you. Just make sure that ANY deal you make with them is placed in your case file. Don't depend on "them" to place it in there, either go with them and watch them place it or do it yourself. Then request a copy of the complete file. Keep any deal that you make with them or it will revert back to the original judgment.
One very important thing that you need to do is some research on is the exemption laws in your state. Find out what is allowable and what is not. Not every state allows wage garnishment etc.
Some people do find out that they are judgment proof. For example, some find out that either they live in a non wage garnishment state, or they are on SSDI (non garnishable no matter what state a person lives in) and they either rent a home or their home is either exempt to a certain $ amount or they have no equity in the home etc., etc., etc.
Find out your exemption and judgment (how long they have to collect before the judgment becomes void) laws before you start talking to them about a deal. That info may give you some leverage.
You might want to go to the site I've listed. Do some reading in the newbie forum first, then do some searches for your states laws. |
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flowerspirit2000
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YES...THERE IS A CLAUSE IN THE JUDGEMENT ALLOWING AN ATTEMPT AT PAYMENT .... MIGHT BE RESOLVED |
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cruelgirl6915
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yes you can. It will take time. |
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reptile9
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www.daveramsey.com Listen to Dave, he's been there. |
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sunshineandsilliness
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Yes you can negotiate, but make sure that the creditor or their collection agency notifies the court that the judgement has been settled!!! Otherwise, you may stop hearing from the lawyers or the creditors, but you will still have the judgement on your credit record. |
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smashley
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You would probably have to talk to the collection agency, not the credit company, but they would be willing to work with you, as long as you're willing to pay. They would rather get some money, rather than none at all. |
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naute_girl
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Yes, Lawyers negotiate all the time. Make an offer of how much you can afford and they may come back with a counter but just try to work with them |
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green is clean
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Yes you can. It may be easier if you hire a lawyer. My fiance and I had to do that for his credit. The lawyer fee was only $350 which is great considering the work she is doing to get us out of it. All we do is sit back and wait for results. |
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yes_its_me
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You can always negotiate, they only want their money. However you have lost a couple of key negotiating factors and your credit is already affected. I would take a good look at your financial situation and make only promises that you can keep, then start repaying the debt. A paid off judgment is a lot better on your record than an outstanding one. |
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suiki
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YES YES YES !They may settle for less than half! Go for it |
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lewyj
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Once a judgement is filed with the court, you must pay that amount in order to satisfy it. I am afraid the time for negotiations has past. |
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da_hammerhead
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Maybe, but usually not. They already have too much invested by now. |
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Chic
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Get a lawyer...seriously...talk about fill bankruptcy if it's really bad. |
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The One Line Review Guy
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Bankruptcy? Yes you can - it will build your credit score as well. |
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☆BTriX☆
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Yes - but wait till the end of the month. They will be more willing to give you a good deal then because they need to fill their "quotas". |
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