Being sued by Chase/Zwicker...

[treehugger1]

See next post

[treehugger1]

https://www.oregonlaws.org/ors/82.010

[albacore44]

i have an interesting Judgement story. My son got married a year ago. his wife had some baggage in her past, charged off credit cards, an unlawful detainer for an apartment she was forced out of with an old boyfriend and roommate. well the apartment got an attorney and received a Judgement against all 3 parties. I looked up her case on my courts website, and showed her where a garnishment order went out 2 years ago to a prior employer but she was no longer employed there.

so i have been monitoring the case on the court website for changes. about 2 months ago, I see some activity, a new garnishment was issued in Sacramento county. i asked her if she knew where the other 2 ex roomates were. she did not. so this evening she gets a message from the old boyfriend, that they found him, and are levying his check for 25% until it's paid, over $3k total. he wanted her to help pay. Well she's not employed, and has no intention of helping him out. now he's screwed.

[tobee43]

depending on the type of judgement......i would think... most are only good for x amount of years depending on the laws of your state and what the nature of the judgement is.

additionally, once you have filed bankruptcy...that is a chapter 7, if you can, you can move to have all leins and judgements removed and nullified. however, there are a few types that are not applicable.

also, i think someone made need to correct me with this, with a chapter 13, if they were not included with the pay off and out amount, then your attorney should also move to have any judgements removed.

there are certain collection practices that must be followed and attempting or waiting YEARS after the fact, (unless it's an actual lien on owned property), i would think may not be allowable under the law.

[OHBOY]

Quote by 'Freddy03':...... "I lost in court and now have a judgment. In FL judgments are good for 20 years."

Please allow me to point out that they are good for UP TO 20 years, subject to whether or not they will be renewed.

The clarification can be found in the Florida Statutes Chapter 55 & 55.081 & the provisions of s. 55.10

[tobee43]

ohboy.....20 years in florida!!!

isn't one better off trying then to go chapter 7 if possible and attempting, (providing they don't fall into the area which are never dischargable) to have the judgements removed??

[treehugger1]

Oregon 10 years and can be renewed for another 10 years.

[daglo]

I am working (through an attorney) with Zwicker now on my Chase bill. After an income loss and job loss, we couldn't pay and tried to work twith Chase. They wouldn't budge. Zwicker got a summons and I went to court. My attorney is trying to negoiate 10 cents on the dollar, Chase offered 18 cents on the dollar, which I think is pretty good. Zwicker attorney said they want to settle and avoid an expensive trial. Work with them.

[daglo]

My opinions (in order of your questions)

1. Chase will not 'drop' the judgment just because you have little income or assets. They will hold onto to that judgment for YEARS.
2. I don;t think judgments are as bad as a BK, but others may know more.

3. Going to court can buy you time, but probably won't change outcome if the plaintiff is 'Original Creditor', which Chase is.
4. Calling Zwicker will not mean squat - debtors no doubt call them all the time with the same story. (whether true or not)

Judgments kill your credit score, but at this point I would not worry about credit scores.

Zwicker will work with you. They did me.

[BrokeIn2010]

Just got off the phone with Zwicker. Woman kept repeating, "Do you want me to send this to an attorney? Do you?" I told her "do what ya' gotta do. Cause I don't have a dime right now."

They waited $400 a month on a $1000 Wal-Mart card.

[IBroke]

Chase s***s big time! I have a bunch of creditors and they were the only lender who thought it would be a good idea to obtain a judgement. Since then, I have to show up for their annual "depositions" with a bunch of documents - from my personal cell-phone bills containing my private contacts to information about the financial condition of my grandmother in Germany.

This year, they were so kind to schedule the next deposition on my birthday. I don't think that's a coincident.

Well, I'll have a birthday-present for them. I'll show up and present them my CH7 filing on a silver-tablet. I could also bring a portable document shredder and "convert" their "final judgment" right in front of their face..

In your face, Chase!

[ryan]

Chase s***s big time!

Yeh, they really are 'special' amongst the CCs... I was in court earlier in the week and saw the Chase lawyer arguing a motion for a Chase debtor to be hauled into court for failing to answer the Motion To Discover Assets.

Another Chase debtor was there to try and get the Bank levy for over $6000 removed.

But the judge ruled the bank levy was correct and released the funds to Chase.
I thought the debtor would collapse in the courtroom, honestly.

The Chase lawyer seemed pleased.

[tobee43]

Originally Posted by IBroke
Chase s***s big time!


here here!!! HATE THE CHASE!!

we owned them....let's see...now....about 579,999 dollars...but they never appeared....they had our house...and a few cards we used for medical expenses...would not work with us..

i was soooooooo ready for them in court if they showed up with all our little certified letters, logs of months of calls ....lists of pages of names we spoke....all we sent to them that they never responded...i was ready for a fight to show the trustee...what and NOW they come??? where were they when???? so ms. trustee....i'm ready...or was...they were no show...thank you!!!!

[OHBOY]

Quote by 'IBroke':... "I have to show up for their annual "depositions" with a bunch of documents - from my personal cell-phone bills containing my private contacts to information about the financial condition of my grandmother in Germany....

Since you live in my area, and while I anticipate judgements to roll in soon, I am wondering if you kindly tell me if you truly had to answer questions pertaining to NON debtors relatives finances such as spouse ect ?...

[tobee43]

Chase s***s big time! I have a bunch of creditors and they were the only lender who thought it would be a good idea to obtain a judgement. Since then, I have to show up for their annual "depositions" with a bunch of documents - from my personal cell-phone bills containing my private contacts to information about the financial condition of my grandmother in Germany.

This year, they were so kind to schedule the next deposition on my birthday. I don't think that's a coincident.

Well, I'll have a birthday-present for them. I'll show up and present them my CH7 filing on a silver-tablet. I could also bring a portable document shredder and "convert" their "final judgment" right in front of their face..

In your face, Chase!

you did this pro se??? i would have objected to these questions??? they are nuts! if you file for the 7 before the dep dates...just have your atty contact them and hand them their stay...LOL!!! that would be nice.