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dogbark5

Seeking Broad Strokes for Settling Judgement

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Posted (edited)

Location: NJ

 

2009 - last paycheck, stopped paying credit card bills

2010 - 2 Default judgements:

 

FIA: $8K

Amex: $4K

 

2010 - levy on bank account, $100 taken, account closed, no bank account since (and no CC use)

 

2019 CR is clean. Ordered LexisNexis and found two judgements- name of CA, original amount, nothing else.  No interest, no address to contact.

 

I am in a position to finally start working again and would like, if possible to try to negotiate a settlement.  I would also, if possible, like to do this relatively quickly, but not so quickly that it jeopardizes any negotiating leverage (if any) I might have.

 

This is a total noob question, but how do I even get the necessary addresses to write letters to?  If I don't have to pick up a phone, I would really prefer not to.  Also. some papers were destroyed, so I don't have the original judgements.

 

Any help would be appreciated. Thanks.

 

Edited by dogbark5

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You can get copies of the judgments from the Clerk of the jurisdiction where they were rendered.  Expect anywhere from a dime to a dollar per page in most places. 

 

As to settling, much will depend on who owns the paper now.  Keep in mind that interest has been accumulating this entire time, so the amounts owed will have almost doubled...

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12 hours ago, centex said:

You can get copies of the judgments from the Clerk of the jurisdiction where they were rendered.  Expect anywhere from a dime to a dollar per page in most places. 

 

As to settling, much will depend on who owns the paper now.  Keep in mind that interest has been accumulating this entire time, so the amounts owed will have almost doubled...

Thanks for your reply.  There are so many different court databases (state, county, federal/various types of courts).  I've spent quite a few hours looking for my case details and I couldn't find anything.

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Not all jurisdictions are online, and of those that ARE online, not all have digitized documents going back to the era you describe.  You can pretty much rule out federal courts since that is not where most credit issues will be taking place. 

 

Your best bet for a stating point will be the jurisdiction where you were living at the time.  Send a letter to the Clerk and be prepared to pay a nominal search fee (usually less than ten bucks).  The letter should provide as much information as possible to help them narrow the windows of time.  Your name at the time of the litigation and the name of the Plaintiff along with the approximate date gets them in the right direction...

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