Being sued

[wert]

I respect your opinion as you are in the business. However, I reached in my file and pulled out Equifax, the first one I laid my hands on.
Equifax reports (or I should say Dolan reports it to Equifax), the docket number plaintiff, which is a credit card company, paid civil judgment, dates, amount, etc.

I also just reached into a pulled out the first deline letter I laid my hands on-I guess I am kind of sick but I keep them for a couple of years- and it says I was declined because of number of recent inquiries in last 12 months, and also "public record, judgment". Thats the ways it's listed.

Again, I'm not in a pissing match with you, but just stating my circumstances, and it has happened more than once. It's kind of like when they say mortgage inquiries within a two week period count as one. Well, maybe to your score, but not as a reason for credit approval.

Just my two cents.

 

[JETX]

Wert, not to belabor the point (more than it already has been), BUT......

"Equifax reports (or I should say Dolan reports it to Equifax), the docket number plaintiff, which is a credit card company, paid civil judgment, dates, amount, etc."
*** And as noted in my earlier posts, it is possible (probable) that the lender saw the judgment to another lender (credit card company) and assumed (rightly?) that it was a result of an unpaid debt being litigated. Naturally, that could affect their decision.

"I also just reached into a pulled out the first deline letter I laid my hands on-I guess I am kind of sick but I keep them for a couple of years- and it says I was declined because of number of recent inquiries in last 12 months, and also "public record, judgment". Thats the ways it's listed."
*** Again, as noted before, it is possible that the 'number of inquiries' indicated that you might be 'shopping for credit' in anticipation of getting as much as possible before filing bankruptcy (one scenario). Also, the statement they said doesn't say 'paid judgment'. Did you clarify with them that the judgment was paid and offer to send them a copy of the "Satisfaction of Judgment"?

"Again, I'm not in a pissing match with you, but just stating my circumstances, and it has happened more than once."
*** No problem....

 

[ferna1975]

I agree that a judgement simply appearing on your credit file is always a negative however Sprint has not yet reported any information to the credit bureau's. This is the reason why this law suit was a shock initially. Usually creditor's make some sort of effort to contact you via phone or mail before they jump right into a law suit. If this goes to court, I do not doubt that a report will be sent immediately.

Thanks.

Anthony

 

[ferna1975]

One more thing...
Would you recommend sending in a certified check or money order as payment for the installments?
How do you confirm if a money order has been cashed?

 

[ferna1975]

One more thing...
Would you recommend sending in a certified check or money order as payment for the installments?
How do you confirm if a money order has been cashed?

 

[JETX]

I would contact the attorney handling the summons for Sprint. Advise him that you MIGHT be interested in paying this debt, but would need them to provide copies of billings, etc. to determine the amount owed. If he says this will take longer than the court setting date, then ask him to reschedule the hearing (then verify it was done with the court).

If you want to set up a payment plan, the attorney can offer you a plan with an 'Agreed (or Consent) judgment". This simply is a document that states you will make agreed payments on time and that if you fail to pay as promised, the creditor can request an immediate (unchallenged) judgment against you for the unpaid balance.

Once you are able to negotiate a settlement and/or payment plan, then you can make your payments by money order or cashiers check. Keep copies of all stubs and slips.

This is really not as unusual as you may believe, but is done all the time.

Best of luck and let us know how this ends up.