judgment! few questions

[sadez10]

What is the name of your state (only U.S. law)? Missouri

About a year ago my hubby and I enrolled w/ a credit counseling service. Today I am facing a judgment due to being wrongfully informed. I received a summons to appear in court at which time I called the counsling service and was told to send a good faith letter. I was never advised to go to court, it was my impression that the service was handling this and had been handling this for the past year when we enrolled. Well here I am today w/ an actual judgment against me. I did not receive notice that the actual judgment was placed. The only other notice I got was saying since I failed to pay on judment they are getting sheriff involded. If I didnt want that to happen make a payment now. So I did and now they have frozen that account. GUess I panicked and they got me. now the counsler is advising me to look into a motion to vacate since I never got an actual letter stating the judgment was filed. First question, do I have a chance since I never showed in the first place under their ADVICE? Im sure a judge does not want to hear "well I didnt show up because a credit counsler advised me to write a good faith letter"
I have spoken w/ the law firm, they wont let go of the hold until the end of this month. Tommorrow my hubby's payroll will directly go into that accnt which we have accepted the fact that money is gone. They are willing to make arrangements after the hold is lifted. Question is once we make arrangements can they put another hold on the account? Or if I start working again, take my wages? BTW, not working cuz we just moved to Indy. They want to make payment amount in mid 400's but can't do it. Will they say "no" and we're still out of luck? Im more than willing to pay but dont think that amount is feasible. Any help is appreciated!What is the name of your state (only U.S. law)?

[Antigone*of*Greece]

Originally Posted by sadez10

What is the name of your state (only U.S. law)? Missouri

About a year ago my hubby and I enrolled w/ a credit counseling service. Today I am facing a judgment due to being wrongfully informed. I received a summons to appear in court at which time I called the counsling service and was told to send a good faith letter. I was never advised to go to court, it was my impression that the service was handling this and had been handling this for the past year when we enrolled. Well here I am today w/ an actual judgment against me. I did not receive notice that the actual judgment was placed. The only other notice I got was saying since I failed to pay on judment they are getting sheriff involded. If I didnt want that to happen make a payment now. So I did and now they have frozen that account. GUess I panicked and they got me. now the counsler is advising me to look into a motion to vacate since I never got an actual letter stating the judgment was filed. First question, do I have a chance since I never showed in the first place under their ADVICE? Im sure a judge does not want to hear "well I didnt show up because a credit counsler advised me to write a good faith letter"
I have spoken w/ the law firm, they wont let go of the hold until the end of this month. Tommorrow my hubby's payroll will directly go into that accnt which we have accepted the fact that money is gone. They are willing to make arrangements after the hold is lifted. Question is once we make arrangements can they put another hold on the account? Or if I start working again, take my wages? BTW, not working cuz we just moved to Indy. They want to make payment amount in mid 400's but can't do it. Will they say "no" and we're still out of luck? Im more than willing to pay but dont think that amount is feasible. Any help is appreciated!What is the name of your state (only U.S. law)?

You need to know first off that most credit counseling services are scams. Your second mistake was to listen to the scammer and not attend your hearing.

Once you make arrangements that the judgement creditor accepts, as long as you live up to your end of the bargain, they will abide by their agreement. If you are just one day late ~ all bets are off.

If you and the judgement creditor do not come to an agreement, they will continue to look for and find your funds.

[sadez10]

The company has already settled one credit card for us and other offers have been made for payment. Just not sure how this one got to be where it is.

Once this hold is taken off, Im hoping we can work out some type of plan which what they are asking for right now I cant do, but I can do at least half of what they are asking. No other money goes into that account but my husband direct deposit and he has stopped that. So Im wondering why they want to keep a hold on for a month?