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DKgeo34

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  1. I was hospitalized in 2007/2008 for a tick bite. 12+ years later, I discovered my paycheck was being garnished. I never got any bills or notification. My credit is nearly perfect. Long story short, I called the courthouse and the clerk told me the judgement was entered in 2009. She said it’s unusual for a judgement execution to happen so long afterwards, but she said there are some cases where this happens. She told me if I can prove I wasn’t living at the address they had on file in 2009 (when the judgement was entered), the judge would likely vacate the default judgement. I got my DMV records and on there it shows I changed my address in 2006, which is when I moved out of my house. When I was in the hospital, they had my old address (parent’s address on file). They’re suing me for $1000 (plus $1000+ in interest and also other fees). The way the clerk made it sound was as if as long as I can prove I wasn’t living at the address they had when the judgement was entered, the case would go away. Doing more research, this may not be the case. They may just vacate the default judgement and then I’ll have to appear at small claims court to address the judgement. Although, I did ask her several time if I would have to reappear and she insisted I wouldn’t. If I do have to reappear, am I able to negotiate the amount they’re suing me for? I pay all my bills. If I would have known about this, I would have paid it. Also, I had insurance back then, so I’m not sure why my insurance didn’t pay this doctor. This isn’t a creditor going after me, it’s the doctor’s office itself (of one of the doctors who treated me when I was in the hospital). If I do have to return, do you think I can at least get the judge to take away the interest? From what I hear, people settle for less in these situations (even on the principle). I just have no idea how this works and how I could even argue such a thing. Anyway, I’m going to file the paperwork at the courthouse on Monday. They said the judge typically makes a decision within 24 hours. I wonder what happens to the $750 they already garnished from my paycheck in the event the whole thing is nullified... Thank you for the help and advice. [emoji846] Sent from my iPhone using Tapatalk
  2. That is 100% accurate. The paperwork given to me by my employer has 2009 as the “entered” date of the claim. This checks out since I was hospitalized in late 2007/early 2008 for a tick bite. One of the doctors who treated me was an infectious disease specialist from the practice that sued me. Also, I’ve moved several time since where I lived in 2008, so that would explain why the office didn’t have my current address. I had health insurance at the time, which I assumed took care of the hospital bill. This insurance was from an old job, so I have no way of looking up the records. I’m assuming the doctor was out of network. I was never served any papers, nor received any mail regarding this (other than the documents that my employer sent me). I live in an apartment where my entrance is behind a house. The other people living in the house are college students who come and go every semester. I don’t know who they are personally and they don’t know me. It’s possible if someone did come to serve me, they either said they don’t know who I am or didn’t answer the door. I’m really lost on what to do. They’ve taken about $500 out of my paychecks already ($750 by next week). I fear by the time I get a grip on this, the debt will be mostly paid off. I owed $1000 (principal), plus $1000+ in interest (which is accruing daily according to the paperwork), plus like $250 in fees. I found a couple of numbers for legal services on my state’s website, which I plan to call tomorrow for advice, though it’s only advice. Someone suggested writing a letter to the judge, which again, by the time the judge received and read my letter, all the funds will have been collected. Stranger still, according to my state’s (NY) court system website, it says all evictions and “default judgements” will not be executed due to Covid-19, yet this default judgement was executed in July 2020. And I’m most concerned about my perfect credit score. It’s been at 800 give or take for a couple years. It’s currently at 803 (FICO). I’ve never had a single late payment. Someone in another message board said civil matters are no longer reported to credit bureaus for the past few years due to “consent decrees between the federal government and the bureaus.” I’m not sure how accurate this is, but it might explain why my credit has been unaffected. What do you think I should do in this situation? Sent from my iPhone using Tapatalk
  3. UPDATE: Ok, I actually just looked through the paperwork from my employer. This came from a civil court and was entered in 2009, which is why I was so confused about this. I was hospitalized in 2008 due to a tick bite. According to the court document, it was completed in July 2020, which I guess finally made its way to my employer. Sent from my iPhone using Tapatalk
  4. Ok, I actually just looked through the paperwork from my employer. This came from a civil court and was entered in 2009, which is why I was so confused about this. I was hospitalized in 2008 due to a tick bite. One of the doctors that treated me is part of the medical group that filed the judgement. According to the court document, it was completed in July 2020, which I guess finally made its way to my employer. The only thing I can think of as far as not being notified about any kind of suit is I currently live in an apartment that’s part of a house that my landlord rents out to college students. My apartment in around the back and I don’t know any of the tenants, so if someone knocked on the door, who knows what they said (if they even answered the door/were home). So now that this looks legit, how do you think I should proceed? I’m fine with paying it, I’m just concerned about my credit which is perfect. Is there any hope in retaining a lawyer and getting it vacated (if I paid off the judgement)? I’m assuming I can’t contact the doctor’s office directly and offer to pay them and have them withdraw the claim. Or, since it was entered in 2009, does that mean it won’t effect my credit? Sent from my iPhone using Tapatalk
  5. I noticed my direct deposit for my paycheck was short. When I retrieved the mail, I had my paystub and also a letter from my company, saying I am having my wages garnished because of an unpaid medical bill. I never heard of the doctor’s office who filed the judgement. I went to the doctor a couple years ago and they ran some tests to figure out if I had a tick bite. I have health insurance and paid all the copays I received. This was coming from another doctor’s office that specializes in “infectious diseases.” I found this out on a Friday night so I haven’t been able to contact the doctor’s office yet. The only thing I can think of is that my doctor’s office consulted with this infectious disease practice and maybe they weren’t in my network. I still don’t understand why I didn’t receive any bills or get served with anything. I’m financially stable. I have the money to pay the judgement, which is $1000 (plus an additional $900 in interest and then some other fees), so about $2500 all together. When I read the document that my employer sent (from the court), it said interest would accrue daily, so I want to have this taken care of ASAP. I just don’t understand how they could do this without me ever getting a bill or being notified. Obviously they can, but wow. My first call is going to be to the doctor’s office tomorrow to find out when and what this charge was for. However, I’m concerned about my credit which is basically perfect. What are my options? Just doing some basic googling, it looks like I can request to have it vacated or dismissed, but I don’t know what to do. Of course I’m getting most of this information from law group websites. My initial impulse was to call the sheriff’s department who facilitated it to ask how I can pay it directly, but then I thought if I’m going with a lawyer, maybe I should wait to speak to them. And then I’m also conflicted in that I’m guessing a lawyer will cost more than the judgement itself. Does anyone have any advice on how I should proceed? Thank you. [emoji846] Sent from my iPhone using Tapatalk
  6. I have a medical condition that requires me to get monthly lab work done. I’ve been having this done for the past few years. I do everything at my monthly doctor appointment. I was never charged a copayment or anything, so I foolishly assumed it was covered by my insurance. I live in a house apartment where most of the time the mail doesn’t get to me. I have a PO Box for important things, so I never realized I was getting bills coming to my apartment due to the fact I don’t have things sent there and never gave my doctor office my PO Box. The lab company (LabCorp) has attempted to send something via through my local sheriff through UPS, which I happened to see the note for (note was left cause no one was home). I haven’t contacted the lab company yet. I figured I should ask for advice on here before doing anything. What are my options? Should I contact the lab to work some kind of payment plan out? Should I contact an attorney? Should I be worried about my savings account —can they seize my savings (Barclays online savings)? My initial thought was to call the lab company, but I don’t want to say or do anything that will make matters worse. I don’t even know how much money I will owe, but I’m sure it’s going to be relatively significant, so I wouldn’t be able to pay all of it at once. I’ve received excellent advice on here in the past, so this was the first place I turned to before doing anything. I currently have excellent credit (800+ FICO score). I have 100% payment history, 1% credit utilization, etc. What are my options? What should I do? Note: I live in New York State. I’m not sure if that makes any difference with my situation. Thank you for the reading this and thank you in advance for your advice. Sent from my iPhone using Tapatalk
  7. I have FICO scores between 754-802 (depending on the credit bureau). I know I’m getting a Honda (I’ve been very satisfied with my current Honda). I want to lease, but haven’t decided on the dealership or the model. My current lease is from Honda Financial Services. When I went on their website, making sure I had no more lease payments left, I noticed you could apply for lease financing on their website. I don’t think it’s a full-fledged application. It basically pre-approves you. My question: is it in my best interest to apply before going to the dealership(s)?The two dealerships I’m looking at are actual Honda dealerships, so they’d use Honda Financial Services anyway. I don’t know if pre-applying will help or hurt me in terms of my lease rate. I’m not sure if dealers have the ability to negotiate lower rates or have some other power over it. Then again, I would think pre-applying would circumvent the infamous financial manager who always seems to have a reason why they have to increase your deal (down payment/monthly payment). What’s your experience? Thanks! [emoji846] Sent from my iPhone using Tapatalk
  8. I leased my first vehicle a few years ago. My lease will be up soon. I’m starting to do some research so I’m better prepared when I get a new lease. I feel like I got swindled on my first lease. I got a Honda Civic EX-L (an upgraded model) for $1500 down and $349/month for 36 months. I was told they could have done better but my credit wasn’t perfect. Plus, this was my first lease/major finance. While my credit was good at the time —close to 700 FICO— I was still in the process of rebuilding it from a 540 credit score about 7 years ago. Nonetheless, talking to other people after the fact and looking at some of their lease promotions, it seems like I’m overpaying by quite a lot. For example, a Honda Accord, which is a whole step up in terms of the model, is currently $0 down and $229/month for 36 months (With a credit score of 740). I’m now nervous that since I started out with this high rate that it’ll be difficult to go back down to a fair rate. I know I want another Civic. I love the car and its been very reliable. Are there any strategies I should use when going into the dealership? I’ve heard of people getting their own auto loan prepared before even going to the dealership, but I don’t know if that will work for a lease. Also, as a side question, I was wondering if it’s normal for the lease holder to be “responsible for repairs,” which is what the fine print says on the promotion I’m looking at. I was under the impression one of the main benefits of leasing is if something goes wrong with the car, it’s covered. I don’t know if this is a new thing or if it’s always been that way. Thanks! Edit: I should also mention my current FICO score is 754. Sent from my iPhone using Tapatalk
  9. No, it's not crazy. It's how things work. As you should be aware of since you spent years rebuilding. You’re right. I just meant I was surprised that there was no kind of grace period. I usually pay all of my cards in full every month, so I’ve never even needed to even think of using any kind of grace period. Sent from my iPhone using Tapatalk
  10. I've had an American Express charge card (green card) for a couple of years now. The first year was free, so I figured why not. It has good benefits, but is pretty mediocre when it comes to cash back. I've literally used my AMEX twice in 2 years. I paid a $99 annual fee last year. My third year is approaching and I really don't see the benefit of paying $99 for a card I don't use. I have plenty of available credit between my 4 credit cards (about $40K). AMEX's credit card (everyday card) looks good in terms of cash back, plus there's no annual fee and I believe it offers most of the same benefits as the green card. However, a couple of people told me that the AMEX charge card is a big boost to your overall credit. I don't know if it's a credit-nerd urban legend or what. I know that getting a new AMEX credit card will hurt my credit score temporarily, but it might be worth it, especially if I can save $99. Either way, I figured I would get an answer here. Thanks!
  11. It was due on 1/21/2018. I made the payment today, 1/25/2018 via the app. I know. The funny thing is this is the card I first got when I started rebuilding my credit. It has a $500 credit limit (my other cards all have $10,000+ credit limits with no annual fees). Whenever I call to cancel the card (because of the annual fee), they tell me they’ll waive so I figure why not. In fact, last year they told me I wouldn’t have to pay the annual fee anymore. But when I talked to Capital One today, they said they didn’t have a record of that. Sent from my iPhone using Tapatalk A payment isn't late for credit reporting purposes until 30 days after the due date. You should consider setting up autopay for the full statement balance. Call the EO and get this switched to a no-AF card. Thank you for the information! Let me ask you this, if I cancel my card or switch to a non-AF Card with Capital One (I already have a non-AF Card with them, but I’ll look into another one), is there any way I can get my annual fee back? The fee is for the year... if my year only started a few days ago, I wonder if they would refund me... any opinion? Sent from my iPhone using Tapatalk
  12. It was due on 1/21/2018. I made the payment today, 1/25/2018 via the app. I know. The funny thing is this is the card I first got when I started rebuilding my credit. It has a $500 credit limit (my other cards all have $10,000+ credit limits with no annual fees). Whenever I call to cancel the card (because of the annual fee), they tell me they’ll waive so I figure why not. In fact, last year they told me I wouldn’t have to pay the annual fee anymore. But when I talked to Capital One today, they said they didn’t have a record of that. Sent from my iPhone using Tapatalk
  13. I have two Capital One cards. One I use all the time, the other I never use. I’ve had them for years and have never missed a payment (almost always pay it off in full every month). I received an email from Capital One this morning saying my payment was overdue. I freaked out, checked it out, and it turned out to be a membership fee (plus a late charge). I called Capital One. The person I spoke with took the late charge off my account. I asked him if this will still affect my credit. He didn’t know. He checked with someone and said it would. He said after 3 days, it’s automatically reported to the credit bureaus. I was/am freaking out. He gave me some line that was supposed to reassure me, saying I can call the credit bureaus for more information. [emoji55] What are my options? I didn’t call Capital One during business hours, so maybe I didn’t get someone on the line with the authority to do anything. Please help. I’ve worked for years to build my credit back up. It seems crazy that one slip like this can tarnish my perfect payment history... Sent from my iPhone using Tapatalk
  14. I'm looking for good, reputable resources to help find a non-profit counseling service in her area. I used one website NFCC, which connected me with some member agency. The agency's website looked kind of suspect. It claimed to be the #1 agency in America. Their site's copyright hasn't been updated since 2016 which didn't give me a positive feeling. What's her best option? She's in a lot of debt, most of her credit cards are maxed out. Oddly enough, she has never missed a payment for any of her bills. Ever. She's had some setbacks and is trying to keep her head above water but it's not working. She needs a plan. Is there a particular service or reputable site that lists approved agencies? Any other advice you can recommend? I feel terrible about all of this. She lived most of her life with incredible credit. Always on top of her bills, etc. She had some personal setbacks and now works two jobs to barely make ends meet. She's 55 and is on her own. Thanks for taking the time to read my post. Sent from my iPhone using Tapatalk
  15. A few years ago when I started rebuilding my credit, I got a Bank of America secured credit card (with a $300 deposit). My credit has gotten significantly better. I have 4 other major, unsecured credit cards with much better benefits. As a result, I simply don't use my Bank of America secured card anymore. I haven't used the care in over a year. I have about $25,000 in available credit between my cards, and have a credit utilization that varies between 3-9%. Will closing this account hurt my credit, even slightly? Thanks for your time and help. Sent from my iPhone using Tapatalk
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