I have a Civil Judgement, from a Condo HOA, that was filed in early 2011 in Superior Court in Southern California. It was a result of a non-judicial foreclosure that was not able to satisfy payoff of past HOA dues and assessments. Outstanding HOA dues were the result of extreme financial hardship.
Today, I am in a better position to negotiate a settlement arrangement but still with limited resources. Now, the creditor (the HOA and their attorney) is asking the court for a Judgment Debtor Examination hearing. At this point, I believe it is better to settle outside of court with the creditor rather than go through the court hearing.
So my questions are as follows:
* Can the Civil Judgement be "dropped" or "removed"?
* Is it advisable to negotiate a settlement by myself or with cost effective counsel?
* Are there reasonable resources/options available to negotiate a settlement?
* Is is advisable to negotiate an agreed settlement amount with monthly
* Can a contract be drawn-up that is mutually agreeable by both parties
that is acceptable by the court?
* What would that contract look like to be acceptable?
* What would be the process/strategy to get the Judgement Debtor Examination
Thank you for professional assistance in this matter.