Legal Question in Credit and Debt Law in Michigan

Judgement Lien

I opened a store in 2001. I was bombarded w/calls from credit card companies. I was reluctant because I was not sure how the business would weather. The sales rep told me that if the store didn't last, they buy back the equipment. Well, had it 4 months, used it maybe 2 dozen times. I called them, and ofcourse, they had no idea what I was talking about. The finance company was in NY and filed a suit. I sent a very length letter w/copies of EVERYTHING to the court(I'm in Michigan) explained that I did not have the money to fly to NY. Apparently, they had the hearing anyway! I believe that there is a judgement against me now - despite my letter and information that I supplied the court. Several months ago, I got a letter from the company stating that they had a judgement (I never even knew when the hearing was - I was never contacted after my letter so I thought it was dismissed) and that it will remain on my credit report for many years. Do I have any recourse? What can I do at this point?


Asked on 8/29/07, 4:36 pm

1 Answer from Attorneys
Victoria Easterday Law Offices of Victoria Easterday

Re: Judgement Lien

I suggest that you contact the attorney representing the Plaintiff in the case and ask for a copy of the Judgement. You should have a NY attorney review the case for you as they would be familiar with the court's rules of procedure and law.

Once you confirm that there is in fact a valid judgment against you, you should make payment arrangements on the account. Make sure you keep copious records of all payments you make and never, ever send cash.

If you are unable to pay the debt, you may want to consider discharging that debt in bankrupcty. If you would like to further discuss your options, please do not hesitate to call me.

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Answered on 8/29/07, 6:18 pm


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