What is the name of your state?What is the name of your state?NJ
I was served with a judgement from a law firm in the amount of $4500 for a credit card that was charged off, but a CA bought it. I never received any notices from the collection agency to reach a settlement. In the past, I have received settlement offers and I paid them. In addition, I filed an Answer with the courts stating that I did not refuse to pay them and that I did not receive any notices from them. I also stated that I would like to settle the account with the interest being deleted and that I would pay $ 100 a month. I called the law firm asking for them to reduce the amount and they quoted me $3500 but when they sent the papers it was for the entire amount. Is it possible for the total amount to be reduced in court by the judge or does the judge automatically rule in their favor. What should I say in court?
I was served with a judgement from a law firm in the amount of $4500 for a credit card that was charged off, but a CA bought it. I never received any notices from the collection agency to reach a settlement. In the past, I have received settlement offers and I paid them. In addition, I filed an Answer with the courts stating that I did not refuse to pay them and that I did not receive any notices from them. I also stated that I would like to settle the account with the interest being deleted and that I would pay $ 100 a month. I called the law firm asking for them to reduce the amount and they quoted me $3500 but when they sent the papers it was for the entire amount. Is it possible for the total amount to be reduced in court by the judge or does the judge automatically rule in their favor. What should I say in court?