I had my credit pulled and to my surprise I have a judgment against me. I was never served with a summons to appear. How do I find out if there is a judgment against me?
Hi Lola
First of all how did you realize that there has been a judgment against you. Have you received any letter from the court or did the creditor called you up and told you that he has brought judgment against you.
Secondly if creditors pull out your credit report, there is a hard inquiry in your report which may lower your credit score. Now since you have not applied for a new line of credit, it means that you have not authorized them to pull out your credit report and the Fair Credit Reporting Act requires that no unauthorized hard inquiries should stay in your report. So you can easily get the hard inquiry out of your report.
I found out about the judgment through a mortgage company, I'm trying to purchase a house. I feel defeated right now and maybe I should make payment arrangements hopefully everything will turn out ok. What is a hard inquiry?
Normally when you do not repay a debt to the original creditor for a continuous period of six months, they sell it off to a collection agency generally at 50% of the outstanding debt value. These CAs sometime buy these debt in bulk and so they do not pay attention to collect the original documents from the actual creditor. Now when the CA asks the debtor to repay back the debt and the debtor asks for debt validation they cannot validate the debt within 30 days from the date of receipt of the letter. As per the fair debt collection practices Act, if the creditor or the CA cannot validate the debt within 30 days they lose their right to collect the debt and so they sell off the debt to another CA at about 30% of the outstanding debt amount or even less and this process continues.
Whenever you apply for a new line of credit such as a housing loan, or a credit card, the creditor pulls out your credit report to check your credit history. This is known as hard inquiry and it lowers your credit score by as much as 5 to 10 points. Fair credit reporting act only allows authorized hard inquiry to to listed in the credit report and that too for 2 years. If you find any hard inquiry in your report, you can ask the enquirer to get it removed from your credit report. You can find sample letters in this forum itself if you visit the link letters of credit
Good Morning Lola,
If you want to find out more about the judgement that was issued against you then I would advise going down to your local courthouse and inquiring about it. You may also call down but going in person would really be a much better idea. They should be able to give you more information on the judgement and what your options are at this point.
I got a letter in the mail saying I should pay $100 a month until the account is paid off. Is there any way to go to court to have the judgment set aside to have them write out the payment terms in a better way? Meaning the payment due date , the amount and so on.
I am not real sure on this one but I believe that the debt must be repaid in full before the judgement can be removed. You can call the couthouse and ask or wait here and someone else may know. Have you tried calling the company that brought this judgement against you and set up repayment terms. This way you can discuss payment datesa and the such. Do you know how old this judgement is?
This judgment is 1 year old and I called to discuss it and make payment arrangements. A few days after that I got the letter in the mail but I think it should have been more detailed. Can this judgment be set aside until they mail me a more detailed agreement?
I also failed to mention they sent me a financial discloser form to fill out. Do I have to fill this out and send it eventhough I didn't get a detailed payment agreement?
Hi Lola
You must have received a copy of the contract when you have signed the agreement. Now, when you ask for debt validation from your creditor or the collection agency who has purchased the debt from your creditor, the creditor or the CA must provide you with a copy of the original signed credit card contract to validate the debt. If they cannot provide you with the copy of the original contract within 30 days from the date of receipt of the debt validation letter, then you are no longer liable to pay back the debt as per the fair debt collection practices act.
Hi Lola
If you think that you do not owe the debt and you are not willing to pay $100 each year, you can file a motion to vacate the judgment. If your request is accepted by the court, you will receive a court date and the creditor will receive a letter from the court regarding the motion. In such cases, the creditor may also contact you and agree to a repayment plan for repayment of the debt.
If someone finds out that they have a judgement against them can they file this motion to vacate the judgement at anytime or is there a time limit? I thought maybe they would have some kind of time limit of like 30 days from the time the judgement is issued. What does a person do if they do not find out about a judgement untl a couple years after it was issued? Do they have an opportunity like this also?
The creditor can bring judgment against you either to garnish your wage or your bank account. Now, if you are on social security, your ss benefit cannot be garnished. In order to find out whether there is a judgment against you or not, you need to visit the court from where the judgment was issued and pull out a certified copy of the judgment.
Wondering if you can give me some advice? 3 years ago I had a problem with my property and due to the negligence of my HOA there common ground trees damaged my property. I went back and forth with them on the phone asking for them to removed the trees, but they never did and it cause my pool pump to burn out due to the dropping from the tree. So i had refused to pay my dues until I was reimbursed something. Mean while they went and put a judgement agaist me for the dues. Now i am out of work and my family owns a restaurant in my town and they are now trying to say that I work for my family and i do not. They want to do a garnishment for my wages but i do not work and my father is the owner of the business.
As far as I know, even if you do not work, the creditor can bring judgment against you to garnish your wage. However, it is not necessary that they need to garnish your wage right now. Judgment has its own Statute of Limitation which starts from the date the judgment has been passed against you and its duration varies from state to state. If you are employed within the SOL period, the creditor can start garnishing your wages anytime within this period.
I just found out that I have a jugement against me from a car accident 13 years ago in new mexico for 3000 and when I asked about who signed the papers that were never served to me they gave me a name for whom I don't know from adam but I can't get my DL renewed until I pay this 3000, is there no time limit or what about this person who signed the papers in my name
Statute of limitation on Judgment in New Mexico is 20 years and so the creditor can still recover the debt either by garnishing your wage or your bank account. The judgment, however, may not appear in your credit report because it stays on your report for seven years from the date it has been passed. If you have not received the judgment notice from the court, you can file a motion to vacate the judgment within 180 days from the day you come to know about the judgment.
you may also try to settle the debt with cash. In my case they settled for 30% of what the settlement amount was. It was worth it in the long run for me, because they removed the judgment from my credit report altogether.
I WAS IN A ACCIDENT CLOSE TO FIVE YEARS AGO AND I WAS COVERED BY NATIONWIDE INSURANCE COMPANY. I DISPUTED THE OTHER DRIVERS CLAIM, THEREFORE THE CASE WAS SENT TO DISTRICT COURT FOR A HEARING I WAS FOUND TO BE 1% NEGLIGENT AND THE JUDGE AWARDED THE OTHER DRIVER A SMALL COMPENSATION, NATIONWIDE SENT A LAWYER TO DEFEND ME IN THE MATTER AND LIKE I SAID I WAS FULLY INSURED, I DISPUTED THE MATTER BECAUSE I TRULY BELIEVED THE OTHER DRIVER WAS AT FAULT, MY QUESTION IS WHY DO I HAVE TO PAY THIS COMPENSATION WHEN I WAS INSURED?
Social Security Income (SSI) cannot be garnished. Thus, the creditor or collection agency won't be able to take your SSI. However, you can try to settle the judgment amount. This can lower the debt amount by 40-60%.
TONYMONTANNA,
As your insurance company is dealing with this case for you, you can discuss about this with the insurance company. Another thing is, if you had reported about this accident to the police, you can use that evidence to prove that you are not at fault.
To know whether or not you have a judgment against you, you can pull a copy of your credit report. If a judgment has been entered against you, it will be reported on your credit report.
Another thing that you can do is visit the county court or state court, and check from there if you have a judgment against you.
To find out if there are any judgments or warrants against you, you will have to get hold of a copy of your credit report. If there are any judgments against you, it will be listed there on your credit report.
You can also find out if there are any judgments or warrants against you by visiting your county court. From the courts record book, you will be able to find these out.
the statute of limitations in New mexico for a judgment is 14 years. You have one year from the time the judgment is handed down, not from the time you are made aware you have a judgment, to appeal.
I am disabled and my only income is from SSDI. My only assets are a small amount of money in my checking account. I have a judgment on my credit report that was put there when I was not working anymore, but before I started receiving SSDI. How can I get the judgment removed, short of paying it? Am I considered "judgment proof"?
Are there any sites I can go to to check my credit for free?
Everytime I see a site that says free credit report, they want me to join their sit and I still end up paying.
If they cannot provide you with the copy of the original contract within 30 days from the date of receipt of the debt validation letter, then you are no longer liable to pay back the debt as per the fair debt collection practices act.
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The statement above, by Justin, is 110% incorrect. The CA can validate at any time, be it months to years......There's nothing in the FDCPA even remotely stating what Justin has inappropriately written.
You can pull all three of your reports at www.annualcredit report.com. You are allowed to do this every year. My advice is to spread out your three free report (from three different reporting bureaus) through out the year. It is also a good way to remember when you pulled your report so you can monitor your credit. What I like to do is pull one every three months and then mark the date on my calendar and also which report I pulled.
I have a judgement against me and they are after my car I am disabled and this is the only vehicle I have what can I do I mailed the exempt papers but they say they did not receive them
I have been harassed by a collection agency for a few years Hayt, Hayt & Landau, P.L. they bought the debt from Capital One. When i was unable to pay my card anymore, i was still under my limit of about 1500, This collection agency claimed that now i owe $3500 plus and they claimed that they have a judgement on me. When i pulled up my credit report there was no judgement and when i go to the Clerk of Courts there was no judgement. I was unable to work last year for six months, was put on SSI disability and my parents came down to Florida to take me back home, because i couldn't walk or breath on my own, so i lived up in Michigan for almost two years. They never sent me anything in Michigan even though i forwarded my address at the post office. I recovered a little, but i have a terminal illness and can only work part time and am still on disability, medicaid, and food stamps. I came back to Florida to get away from the winter and all of the sudden they are harassing me again. Do they have a judgement or not? Also i am only working part time and getting SSI disability, i barely make enough to live. Can they do anything to me still or are they a fraud?
just found out i have a judgement against me and i never knew it at all.no papers nothing.just tried to get a home and now i cant due to this , i have no idea where to start.
Collection agency said summons went to po box and could not deliver.
They claim judgement made without me atending hearing.
How do I find out what is in judgement?
Checked with local small claims court and county court where i live and nothing on file.(allegheny county in PA)
Collection Agency wil not give any copies of judgemnt . Are they required to do so?
pointed out in last week's blog, Sexual sobriety does NOT entail permanent sexual abstinence. habitually, A 30 you can 90 day "cooling off" associated with time complete abstinence from all sexual behavior, Including genital stimulation, Is sensible when an addict enters treatment mainly to help the addict gain perspective on his or her problematic behaviors but in no way, create, Or form is ongoing abstinence target.
in truth, The heavy lifting of sex addiction recovery is not this short period away from sexual behavior; It is as opposed to the gradual (re)guide of healthy sexuality into the addict's life.
But if sexual sobriety doesn't require total sexual abstinence in exactly how chemical sobriety requires total abstinence from alcohol and addictive drugs, so what does it require?
usually, To achieve sexual sobriety sex addicts must define working at the side of a knowledgeable sex addiction therapist, A 12 step recovery generate, Or some other sexual recovery burden partner the sexual behaviors that do not compromise or destroy the addict's values (faithfulness, Not destroying others, thus.), Life concerns (storing a job, to not get arrested, and.), And working relationships.
The addict then commits in a written sexual sobriety contract to only engage in sexual behavior that is permitted within the bounds of that fixed pact. As long as the addict's sexual behavior remains within your concretely defined boundaries, the client is sexually sober. it can be crucial that these plans be put in writing, and that they clearly define the addict's bottom line behaviors to be eliminated.
find the words of Paul, A 26 year old Emergency Medical Technician addicted to online porn:
In my head I knew that viewing porn at work and after my wife went to bed had to change, That the secrecy and the compulsivity were doing problems. But somehow I always ended up convincing myself that I could just look at a little of this and a little of that and soon I was right back where I started. I would somehow justify why some sexual character was OK for me, whilst I had previously said it was not. i used to go online "Just to use email, simply to I'd think, "It's OK if I enter a nonsexual chat room to see who's there, earlier than I knew it, I'd be in a erectile chat room, And then I would find myself examining a porn or prostitution webpage. It wasn't until I wrote down what I needed to switch (been infected with) And sold on this with my therapist (Created obligation) That I begin create ongoing sexual sobriety.
making a Sobriety Plan
Sexual sobriety plans are always founded upon the primary personal goals of your companion seeking treatment. These goals are then employed to create a three part written commitment (boundary plan).
member One: The Inner Boundary The Inner Boundary is a bottom line purpose of sexual sobriety, inclusive of concrete and specific sexual behaviors (Not thoughts or fantasies) how the addict wishes to stop. Placed during this boundary are the most damaging and troublesome sexual acts. If the addict engages in any of these behaviors, she or he has had a slip and will need to restart his or her sobriety clock (While also doing a thorough examination of what lead to the slip). Bottom line behaviors vary from person to person depending on life circumstances (Single, committed, in the right position, gay and lesbian, or anything else,.,and so.) Typical Inner Boundary actions include:
step Two: The Middle Boundary The Middle Boundary addresses warning signs and slippery situations that can lead a sex addict back to his or her Inner Boundary behaviors. This border lists people, environments, And experiences that can trigger the to act out sexually.
the moment again, These items are unique to each individual. Included on this list are things indirectly related to sexual acting out that may ultimately, computers trigger the desire to act out. literally, Anything that might cause an addict to want to dissociate and therefore reengage in Inner Boundary behaviors belongs in the center Boundary. Some typical Middle border items include:
a member Three: The Outer Boundary The Outer Boundary offers a vision for life changes and positive things to come. It lists healthy courses, Along with activities that lead a man toward his or her life goals, dreams, And objectives. those items on this list may be immediate and concrete, which can include "engaged on my house" together with "Spending more with my kids, Or upcoming and less tangible, comparable to "Beginning to educate yourself my career goals" and therefore "Having a better link with my spouse,
The list should reflect a healthy education work, Recovery, And enjoy. If seeing a support group three times per week, workout every day, And seeing a therapist once every seven days is on the list, Then chilling with friends, exploring movies, And engaging in hobbies should also be on the list. These healthy pleasures are those things used by the recovering person to replace the intensity of sexual acting out. Some typical Outer Boundary excursions again, These vary for every person include:
spend more time with my kids
1) explanation for a boundary plan is to hold the addict accountable to his or her commitments, Particularly when confronted with challenging circumstances. Unless the person has clearly written boundaries in his or her recovery plan, He or she is vulnerable to deciding "In the second" What choices are best and unhappily most such impulsive decisions do not lead toward sexual sobriety.
2) Boundary plans are adaptable. Recovering people often spend a couple of months with a particular set of boundaries and decide they need adjustment. but bear in mind, Changing a boundary plan is not something the addict should do on their own own; Making changes involves engaging the help of someone who fully grasps the addict's problems and their context. Changes to a boundary plan should never be made just because some special situation occurs and the individual decides, In the situation, That it's time to make a change. that is not called "changing your plan, it's known as "acting out,
3) If a sex addict is looking to justify the continuation of a particular behavior, regardless if he or she knows deep down it is not right and no longer serves a healthy purpose, He or she can normally find someone to sign off on that, To agree it was "Never a big deal anyway, It is don't forget to remember that the purpose of creating a boundary plan is not to justify or rationalize previous behaviors (Or a performace thereof); the idea is to end sexual acting out.
4) Sex addicts in a relationship need to consider how their new boundaries will affect their spouse or companion. to illustrate, A period of total abstinence for a sex addict may affect that person's partner quite certainly.
dealing with sexual addiction can and usually does foster, over the years, A rediscovery of self applied. Energy formerly spent on compulsive sexual behavior may now go into family participation and work. Creativity previously used to hot russian women facilitate acting out can now be funneled into hobbies, self care, And healthier romances. If whomever is married or otherwise in a committed relationship, Healing can bring a deeper idea of both the addict's and his or her partner's emotional needs and wants, Encouraging both people to take more risks toward vulnerability and intimacy.
for anyone not in a committed partnership, There is the chance to discover true self esteem by making healthy choices regarding commitment, online dating, Romantic joining up, Healthy sexuality, and more. as expected, Sexual recovery pays big dividends over time if the addict is willing to do the work.
love-making Sobriety:
Robert Weiss phd, MSW
Robert Weiss expert degree, MSW is an expert in dealing adult intimacy disorders and related addictions, that include sex/porn/relationship addictions along with co occurring drug/sex addiction. A clinical sexologist and using psychotherapist, doctor. Rob frequently serves as a material expert for major media outlets including CNN, HLN, MSNBC, actually own,The california Times, The seminole florida Times, and also NPR, and others.
a qualified clinical educator, dr. Rob routinely provides training to practitioners, medical centers, Psychiatric people, And even the US armed service. in recent times, He has created and overseen nearly a dozen high end addiction and mental health treatment facilities across the country. for much more or to reach Dr.
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Hi Lola
First of all how did you realize that there has been a judgment against you. Have you received any letter from the court or did the creditor called you up and told you that he has brought judgment against you.
Secondly if creditors pull out your credit report, there is a hard inquiry in your report which may lower your credit score. Now since you have not applied for a new line of credit, it means that you have not authorized them to pull out your credit report and the Fair Credit Reporting Act requires that no unauthorized hard inquiries should stay in your report. So you can easily get the hard inquiry out of your report.
Judgment advice
I found out about the judgment through a mortgage company, I'm trying to purchase a house. I feel defeated right now and maybe I should make payment arrangements hopefully everything will turn out ok. What is a hard inquiry?
Judgment advice
I didn't know was possible for one collection agency to buy an old debt from another agency.
Normally when you do not repay a debt to the original creditor for a continuous period of six months, they sell it off to a collection agency generally at 50% of the outstanding debt value. These CAs sometime buy these debt in bulk and so they do not pay attention to collect the original documents from the actual creditor. Now when the CA asks the debtor to repay back the debt and the debtor asks for debt validation they cannot validate the debt within 30 days from the date of receipt of the letter. As per the fair debt collection practices Act, if the creditor or the CA cannot validate the debt within 30 days they lose their right to collect the debt and so they sell off the debt to another CA at about 30% of the outstanding debt amount or even less and this process continues.
Whenever you apply for a new line of credit such as a housing loan, or a credit card, the creditor pulls out your credit report to check your credit history. This is known as hard inquiry and it lowers your credit score by as much as 5 to 10 points. Fair credit reporting act only allows authorized hard inquiry to to listed in the credit report and that too for 2 years. If you find any hard inquiry in your report, you can ask the enquirer to get it removed from your credit report. You can find sample letters in this forum itself if you visit the link letters of credit
Good Morning Lola,
If you want to find out more about the judgement that was issued against you then I would advise going down to your local courthouse and inquiring about it. You may also call down but going in person would really be a much better idea. They should be able to give you more information on the judgement and what your options are at this point.
Judgment nightmare
I got a letter in the mail saying I should pay $100 a month until the account is paid off. Is there any way to go to court to have the judgment set aside to have them write out the payment terms in a better way? Meaning the payment due date , the amount and so on.
I am not real sure on this one but I believe that the debt must be repaid in full before the judgement can be removed. You can call the couthouse and ask or wait here and someone else may know. Have you tried calling the company that brought this judgement against you and set up repayment terms. This way you can discuss payment datesa and the such. Do you know how old this judgement is?
Judgment nightmare
This judgment is 1 year old and I called to discuss it and make payment arrangements. A few days after that I got the letter in the mail but I think it should have been more detailed. Can this judgment be set aside until they mail me a more detailed agreement?
Judgment nightmare
I also failed to mention they sent me a financial discloser form to fill out. Do I have to fill this out and send it eventhough I didn't get a detailed payment agreement?
Judgment nightmare
How do I get proof of the actual contract I made with the credit card company when the debt is old?
Hi Lola
You must have received a copy of the contract when you have signed the agreement. Now, when you ask for debt validation from your creditor or the collection agency who has purchased the debt from your creditor, the creditor or the CA must provide you with a copy of the original signed credit card contract to validate the debt. If they cannot provide you with the copy of the original contract within 30 days from the date of receipt of the debt validation letter, then you are no longer liable to pay back the debt as per the fair debt collection practices act.
Hi Lola
If you think that you do not owe the debt and you are not willing to pay $100 each year, you can file a motion to vacate the judgment. If your request is accepted by the court, you will receive a court date and the creditor will receive a letter from the court regarding the motion. In such cases, the creditor may also contact you and agree to a repayment plan for repayment of the debt.
If someone finds out that they have a judgement against them can they file this motion to vacate the judgement at anytime or is there a time limit? I thought maybe they would have some kind of time limit of like 30 days from the time the judgement is issued. What does a person do if they do not find out about a judgement untl a couple years after it was issued? Do they have an opportunity like this also?
judgement
I am disabled and have a credit judgement against me.
The creditor can bring judgment against you either to garnish your wage or your bank account. Now, if you are on social security, your ss benefit cannot be garnished. In order to find out whether there is a judgment against you or not, you need to visit the court from where the judgment was issued and pull out a certified copy of the judgment.
Judgement against me for HOA issue
Hi
Wondering if you can give me some advice? 3 years ago I had a problem with my property and due to the negligence of my HOA there common ground trees damaged my property. I went back and forth with them on the phone asking for them to removed the trees, but they never did and it cause my pool pump to burn out due to the dropping from the tree. So i had refused to pay my dues until I was reimbursed something. Mean while they went and put a judgement agaist me for the dues. Now i am out of work and my family owns a restaurant in my town and they are now trying to say that I work for my family and i do not. They want to do a garnishment for my wages but i do not work and my father is the owner of the business.
As far as I know, even if you do not work, the creditor can bring judgment against you to garnish your wage. However, it is not necessary that they need to garnish your wage right now. Judgment has its own Statute of Limitation which starts from the date the judgment has been passed against you and its duration varies from state to state. If you are employed within the SOL period, the creditor can start garnishing your wages anytime within this period.
judgement
I just found out that I have a jugement against me from a car accident 13 years ago in new mexico for 3000 and when I asked about who signed the papers that were never served to me they gave me a name for whom I don't know from adam but I can't get my DL renewed until I pay this 3000, is there no time limit or what about this person who signed the papers in my name
Statute of limitation on Judgment in New Mexico is 20 years and so the creditor can still recover the debt either by garnishing your wage or your bank account. The judgment, however, may not appear in your credit report because it stays on your report for seven years from the date it has been passed. If you have not received the judgment notice from the court, you can file a motion to vacate the judgment within 180 days from the day you come to know about the judgment.
judgment
you may also try to settle the debt with cash. In my case they settled for 30% of what the settlement amount was. It was worth it in the long run for me, because they removed the judgment from my credit report altogether.
judgement
how can i found out if i have a old judgement that is nolonger on my credit
judment
i have a judgement against me that i just found out.This judment since 2004 im sure this judment not mine what could i do. :?
judgement
can a person on social security and disability be garnished for a balance due from a car reprocession
judgment
i"m on social security disability and i can"t afford to pay back.it was a car lon from 1993.what to do.
JUDGEMENT
I WAS IN A ACCIDENT CLOSE TO FIVE YEARS AGO AND I WAS COVERED BY NATIONWIDE INSURANCE COMPANY. I DISPUTED THE OTHER DRIVERS CLAIM, THEREFORE THE CASE WAS SENT TO DISTRICT COURT FOR A HEARING I WAS FOUND TO BE 1% NEGLIGENT AND THE JUDGE AWARDED THE OTHER DRIVER A SMALL COMPENSATION, NATIONWIDE SENT A LAWYER TO DEFEND ME IN THE MATTER AND LIKE I SAID I WAS FULLY INSURED, I DISPUTED THE MATTER BECAUSE I TRULY BELIEVED THE OTHER DRIVER WAS AT FAULT, MY QUESTION IS WHY DO I HAVE TO PAY THIS COMPENSATION WHEN I WAS INSURED?
judgment
Hi ken:
Social Security Income (SSI) cannot be garnished. Thus, the creditor or collection agency won't be able to take your SSI. However, you can try to settle the judgment amount. This can lower the debt amount by 40-60%.
TONYMONTANNA,
As your insurance company is dealing with this case for you, you can discuss about this with the insurance company. Another thing is, if you had reported about this accident to the police, you can use that evidence to prove that you are not at fault.
Thanks,
Aaron
judgement
how do i know if i have a judgement against me
judgment
Hi Grace,
To know whether or not you have a judgment against you, you can pull a copy of your credit report. If a judgment has been entered against you, it will be reported on your credit report.
Another thing that you can do is visit the county court or state court, and check from there if you have a judgment against you.
Thanks,
Aaron
judgements
is there any judgements or warrents for me
judgments
Hi Michael,
To find out if there are any judgments or warrants against you, you will have to get hold of a copy of your credit report. If there are any judgments against you, it will be listed there on your credit report.
You can also find out if there are any judgments or warrants against you by visiting your county court. From the courts record book, you will be able to find these out.
Thanks,
Aaron
statute of limitations in New mexico
the statute of limitations in New mexico for a judgment is 14 years. You have one year from the time the judgment is handed down, not from the time you are made aware you have a judgment, to appeal.
judgment
I am disabled and my only income is from SSDI. My only assets are a small amount of money in my checking account. I have a judgment on my credit report that was put there when I was not working anymore, but before I started receiving SSDI. How can I get the judgment removed, short of paying it? Am I considered "judgment proof"?
judgment
Hi David,
I have answered to your query at http://www.creditmagic.org/judgment/ssdi.html#49107 .
Hope this helps. If you have further queries, feel free to discuss in the forum.
Thanks,
Aaron
Is there a website I can go to to see if there is a judgemen
Are there any sites I can go to to check my credit for free?
Everytime I see a site that says free credit report, they want me to join their sit and I still end up paying.
Debt validation
If they cannot provide you with the copy of the original contract within 30 days from the date of receipt of the debt validation letter, then you are no longer liable to pay back the debt as per the fair debt collection practices act.
----------------------------------------------------
The statement above, by Justin, is 110% incorrect. The CA can validate at any time, be it months to years......There's nothing in the FDCPA even remotely stating what Justin has inappropriately written.
credit report for free
Hi Leah,
You can get free credit report from www.annualcreditreport.com once in a year.
Thanks,
Aaron
You can pull all three of your reports at www.annualcredit report.com. You are allowed to do this every year. My advice is to spread out your three free report (from three different reporting bureaus) through out the year. It is also a good way to remember when you pulled your report so you can monitor your credit. What I like to do is pull one every three months and then mark the date on my calendar and also which report I pulled.
Judgement
I have a judgement against me and they are after my car I am disabled and this is the only vehicle I have what can I do I mailed the exempt papers but they say they did not receive them
Debt Collector or Fraud?
I have been harassed by a collection agency for a few years Hayt, Hayt & Landau, P.L. they bought the debt from Capital One. When i was unable to pay my card anymore, i was still under my limit of about 1500, This collection agency claimed that now i owe $3500 plus and they claimed that they have a judgement on me. When i pulled up my credit report there was no judgement and when i go to the Clerk of Courts there was no judgement. I was unable to work last year for six months, was put on SSI disability and my parents came down to Florida to take me back home, because i couldn't walk or breath on my own, so i lived up in Michigan for almost two years. They never sent me anything in Michigan even though i forwarded my address at the post office. I recovered a little, but i have a terminal illness and can only work part time and am still on disability, medicaid, and food stamps. I came back to Florida to get away from the winter and all of the sudden they are harassing me again. Do they have a judgement or not? Also i am only working part time and getting SSI disability, i barely make enough to live. Can they do anything to me still or are they a fraud?
Judgement
I have a judgement against me from a car loan. It's been about 4 yrs now.. I am on disability what action can they take on me
judgement
just found out i have a judgement against me and i never knew it at all.no papers nothing.just tried to get a home and now i cant due to this , i have no idea where to start.
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You can't, the credit card copmnay determines which part of the debt gets paid off first, and guess what, they always choose the low interest portion.
Summons and Judgement
Collection agency said summons went to po box and could not deliver.
They claim judgement made without me atending hearing.
How do I find out what is in judgement?
Checked with local small claims court and county court where i live and nothing on file.(allegheny county in PA)
Collection Agency wil not give any copies of judgemnt . Are they required to do so?
frank
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The boundary Plan
pointed out in last week's blog, Sexual sobriety does NOT entail permanent sexual abstinence. habitually, A 30 you can 90 day "cooling off" associated with time complete abstinence from all sexual behavior, Including genital stimulation, Is sensible when an addict enters treatment mainly to help the addict gain perspective on his or her problematic behaviors but in no way, create, Or form is ongoing abstinence target.
in truth, The heavy lifting of sex addiction recovery is not this short period away from sexual behavior; It is as opposed to the gradual (re)guide of healthy sexuality into the addict's life.
But if sexual sobriety doesn't require total sexual abstinence in exactly how chemical sobriety requires total abstinence from alcohol and addictive drugs, so what does it require?
usually, To achieve sexual sobriety sex addicts must define working at the side of a knowledgeable sex addiction therapist, A 12 step recovery generate, Or some other sexual recovery burden partner the sexual behaviors that do not compromise or destroy the addict's values (faithfulness, Not destroying others, thus.), Life concerns (storing a job, to not get arrested, and.), And working relationships.
The addict then commits in a written sexual sobriety contract to only engage in sexual behavior that is permitted within the bounds of that fixed pact. As long as the addict's sexual behavior remains within your concretely defined boundaries, the client is sexually sober. it can be crucial that these plans be put in writing, and that they clearly define the addict's bottom line behaviors to be eliminated.
find the words of Paul, A 26 year old Emergency Medical Technician addicted to online porn:
In my head I knew that viewing porn at work and after my wife went to bed had to change, That the secrecy and the compulsivity were doing problems. But somehow I always ended up convincing myself that I could just look at a little of this and a little of that and soon I was right back where I started. I would somehow justify why some sexual character was OK for me, whilst I had previously said it was not. i used to go online "Just to use email, simply to I'd think, "It's OK if I enter a nonsexual chat room to see who's there, earlier than I knew it, I'd be in a erectile chat room, And then I would find myself examining a porn or prostitution webpage. It wasn't until I wrote down what I needed to switch (been infected with) And sold on this with my therapist (Created obligation) That I begin create ongoing sexual sobriety.
making a Sobriety Plan
Sexual sobriety plans are always founded upon the primary personal goals of your companion seeking treatment. These goals are then employed to create a three part written commitment (boundary plan).
member One: The Inner Boundary The Inner Boundary is a bottom line purpose of sexual sobriety, inclusive of concrete and specific sexual behaviors (Not thoughts or fantasies) how the addict wishes to stop. Placed during this boundary are the most damaging and troublesome sexual acts. If the addict engages in any of these behaviors, she or he has had a slip and will need to restart his or her sobriety clock (While also doing a thorough examination of what lead to the slip). Bottom line behaviors vary from person to person depending on life circumstances (Single, committed, in the right position, gay and lesbian, or anything else,.,and so.) Typical Inner Boundary actions include:
step Two: The Middle Boundary The Middle Boundary addresses warning signs and slippery situations that can lead a sex addict back to his or her Inner Boundary behaviors. This border lists people, environments, And experiences that can trigger the to act out sexually.
the moment again, These items are unique to each individual. Included on this list are things indirectly related to sexual acting out that may ultimately, computers trigger the desire to act out. literally, Anything that might cause an addict to want to dissociate and therefore reengage in Inner Boundary behaviors belongs in the center Boundary. Some typical Middle border items include:
a member Three: The Outer Boundary The Outer Boundary offers a vision for life changes and positive things to come. It lists healthy courses, Along with activities that lead a man toward his or her life goals, dreams, And objectives. those items on this list may be immediate and concrete, which can include "engaged on my house" together with "Spending more with my kids, Or upcoming and less tangible, comparable to "Beginning to educate yourself my career goals" and therefore "Having a better link with my spouse,
The list should reflect a healthy education work, Recovery, And enjoy. If seeing a support group three times per week, workout every day, And seeing a therapist once every seven days is on the list, Then chilling with friends, exploring movies, And engaging in hobbies should also be on the list. These healthy pleasures are those things used by the recovering person to replace the intensity of sexual acting out. Some typical Outer Boundary excursions again, These vary for every person include:
spend more time with my kids
1) explanation for a boundary plan is to hold the addict accountable to his or her commitments, Particularly when confronted with challenging circumstances. Unless the person has clearly written boundaries in his or her recovery plan, He or she is vulnerable to deciding "In the second" What choices are best and unhappily most such impulsive decisions do not lead toward sexual sobriety.
2) Boundary plans are adaptable. Recovering people often spend a couple of months with a particular set of boundaries and decide they need adjustment. but bear in mind, Changing a boundary plan is not something the addict should do on their own own; Making changes involves engaging the help of someone who fully grasps the addict's problems and their context. Changes to a boundary plan should never be made just because some special situation occurs and the individual decides, In the situation, That it's time to make a change. that is not called "changing your plan, it's known as "acting out,
3) If a sex addict is looking to justify the continuation of a particular behavior, regardless if he or she knows deep down it is not right and no longer serves a healthy purpose, He or she can normally find someone to sign off on that, To agree it was "Never a big deal anyway, It is don't forget to remember that the purpose of creating a boundary plan is not to justify or rationalize previous behaviors (Or a performace thereof); the idea is to end sexual acting out.
4) Sex addicts in a relationship need to consider how their new boundaries will affect their spouse or companion. to illustrate, A period of total abstinence for a sex addict may affect that person's partner quite certainly.
dealing with sexual addiction can and usually does foster, over the years, A rediscovery of self applied. Energy formerly spent on compulsive sexual behavior may now go into family participation and work. Creativity previously used to hot russian women facilitate acting out can now be funneled into hobbies, self care, And healthier romances. If whomever is married or otherwise in a committed relationship, Healing can bring a deeper idea of both the addict's and his or her partner's emotional needs and wants, Encouraging both people to take more risks toward vulnerability and intimacy.
for anyone not in a committed partnership, There is the chance to discover true self esteem by making healthy choices regarding commitment, online dating, Romantic joining up, Healthy sexuality, and more. as expected, Sexual recovery pays big dividends over time if the addict is willing to do the work.
love-making Sobriety:
Robert Weiss phd, MSW
Robert Weiss expert degree, MSW is an expert in dealing adult intimacy disorders and related addictions, that include sex/porn/relationship addictions along with co occurring drug/sex addiction. A clinical sexologist and using psychotherapist, doctor. Rob frequently serves as a material expert for major media outlets including CNN, HLN, MSNBC, actually own,The california Times, The seminole florida Times, and also NPR, and others.
a qualified clinical educator, dr. Rob routinely provides training to practitioners, medical centers, Psychiatric people, And even the US armed service. in recent times, He has created and overseen nearly a dozen high end addiction and mental health treatment facilities across the country. for much more or to reach Dr.
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Airbus is ready for autonomous planes
The chief salesman for Airbus says his company already has the technology to fly passenger planes without pilots at all and is perfecting winning over regulators and travelers to the idea.Christian Scherer also said in a conversation with The on Monday that Airbus hopes to be selling hybrid or electric passenger jets by around 2035.While the company is still far from ready to churn out battery powered jumbo jets, Scherer said Airbus now has "The technique for autonomous flying" And for planes flown simply by one pilot.He proclaimed The : "When can we introduce it in large ad aircraft? That is a matter we are discussing with regulators and customers, But service wise, We find a hurdle,Safety is an obvious concern that is certainly an issue that is on many minds after two deadly crashes of the Boeing 737 Max jet.Boeing is seeing bad contracts at the Paris Air Show so far as it tries to win back trust from customers after the crashes of two 737 Max jets.The company announced a deal Monday to provide services and parts for British Airways via its owner global Airlines Group, And another to render technology to help United Airlines set pilot schedules. Boeing also struck a deal for freighter jets with rental company GECAS.Asked regardless of if the Max crashes affected its trust in Boeing, British Airways Chief business Officer Steve Gunning said, "We're confident that Boeing will solve those issues and will get these issues behind them, His airline did not announce any new plane acquisitions from Boeing.as opposed, Rival Airbus announced a string of plane sales on the very first day of the Paris Air Show worth several billion dollars.categories of victims, government bodies and airlines have mixed feelings about Boeing's apology for 737 Max crashes that killed 346 people.Ningsi Ayorbaba divulged to The : "I hope this is an excellent signal for the victims to have compensation rights that we have not yet received,Her husband Paul Ferdinand Ayorbaba died in the Lion Air crash in indonesia in October. She is among dozens ukraine chat of homes who have filed lawsuits against Boeing.Indonesia's method of travel ministry said the government is still waiting for "Transparent work of the aircraft maker to fix the problem" that resulted in the crashes. brought on are underway.An Ethiopian who lost her younger brother in an Ethiopian Airlines crash in March said Boeing's apology is the perfect, And expressed worry about Boeing's push to re certify the 737 Max.spain, Germany and Spain have agreed in order to develop a joint European fighter jet and air combat system that could also control drones and satellites.With a model of the jet as a backdrop, Defense ministers from the three countries signed a Monday at the Paris Air Show that lays out how the countries will cooperate on the project, Which would come with a new generation combat aircraft. French us president Emmanuel Macron presided over the signing.
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