Help with a judgment

[mzunderstud86]

I have a judgment that has been confirmed that is on my credit report. Background info: 8 years ago I had an Amex CC with a limit of $300 and it went to collections and was sold multiple times. In 2010, I was sued but I didnt show up and a defualt judgment was issued for over $2k, and it is now on my credit report for almost $4k. Earlier this year they tried to put a lien on my bank account but they forgot to attach it and so no money was taken out. I was wondering if I should write them and try to settle the debt doing monthly payments or save the money up then settle. I dont want them to try to attach my account again or garnish my check.

[moosetracks]

I would make arrangements to pay off the judgment in payments, they will most likely come again to attach whatever they can if no arrangements for payment have been made.

[mzunderstud86]

Should I try to include langauge that they agree not to put a lien on my property or garnish my check as long as payments are up to date?

[polarpop1]

look for a consumer attorney in your area