What is the name of your state? NJ
I recently discovered a medical default judgement for $892.27 (726.94+cost+int) entered 2 yrs ago in RI on behalf of Women &Infants Hospital. I was pregnant my husband and I were unemployed and couldnt continue paying $700 a month Cobra coverage from my previous job (resigned and relocated ). I couldnt afford any type of medical insurance.I was finally approved for the State insurance in February 2003 but they refused to pay my previous medical bills from 12/02-2/03 (was told their laws changed ).
I am in the process of buying a home (already paid huge deposit to builder) which I could lose due to this judgement ruining my credit scores which dropped nearly 150 points.
My main issue is that the collector/attorney office who served me 11/19/03 at my home while I was away which I still own in RI, but was received by my husband. I called the attorney promptly in 11/2003 as I received the summons and agreed to a payment arrangement in 12/2003 and verified with the courts that they had postponed the claim. THese are my issues with this judgment and would like to know what to do to get it VOIDED, VACATED or simply DELETED :
-I wasnt personally served, they wrote my husband's name wrong(his 1st name with my maiden name)
-Its reporting on my report as 11/19/03 rather than the 10/19/04 default entry date.
- I made payment arrangements with the attorney starting 12/15/03 with the sole purpose of avoiding going to court or to stop the judgement. I agreed to $1037 (base balance??+ attny fees??).
- My current balance due is now around $400 yet they're reporting the full judgement amount of $892 on credit report.They should have updated the balance.
-At one point when I was late they sent a notice and reminder on 12/31/04 threatening to pursue suit for judgement for original balance of ($726.94??) if I didnt bring account current. which I did. However, I just noticed that he account number on the notice is totally different. I know that the balance due included a combination of itemized accounts for the individual medical services rendered. So, I dont know if it matters or perhaps it was an error.
-I requested a court copy of the judgement and noticed a 2 count complaint issued on 11/28/03 where t hey're stating I owe $952.18 rather than the original amount of $892.27 so I am not sure what I owe or what balance am I paying.
I havent called the attorney office because I am so irate and dont really know what to say or ask. I suppose they're following the law???? and will say they didnt do anything wrong.
I need to know if they can pursue the suit even after I made arrangements. ??
-Do they need to notify me if they're pursuing the suit after an arrangement??
-Do I have grounds to vacate or void this judgement??
-Can they still pretend/deceive me with claiming the case/claim is active pending and use this as a threatening tool even after the judgement.
. Does anyone know about Void Judgements and the UCC (Uniform Commercial Code) I heard these are the laws/rules used by attorneys to fight judgements. I really need to get rid of this ASAP.
Thank you everyone for as much advice as you can provideWhat is the name of your state?
I recently discovered a medical default judgement for $892.27 (726.94+cost+int) entered 2 yrs ago in RI on behalf of Women &Infants Hospital. I was pregnant my husband and I were unemployed and couldnt continue paying $700 a month Cobra coverage from my previous job (resigned and relocated ). I couldnt afford any type of medical insurance.I was finally approved for the State insurance in February 2003 but they refused to pay my previous medical bills from 12/02-2/03 (was told their laws changed ).
I am in the process of buying a home (already paid huge deposit to builder) which I could lose due to this judgement ruining my credit scores which dropped nearly 150 points.
My main issue is that the collector/attorney office who served me 11/19/03 at my home while I was away which I still own in RI, but was received by my husband. I called the attorney promptly in 11/2003 as I received the summons and agreed to a payment arrangement in 12/2003 and verified with the courts that they had postponed the claim. THese are my issues with this judgment and would like to know what to do to get it VOIDED, VACATED or simply DELETED :
-I wasnt personally served, they wrote my husband's name wrong(his 1st name with my maiden name)
-Its reporting on my report as 11/19/03 rather than the 10/19/04 default entry date.
- I made payment arrangements with the attorney starting 12/15/03 with the sole purpose of avoiding going to court or to stop the judgement. I agreed to $1037 (base balance??+ attny fees??).
- My current balance due is now around $400 yet they're reporting the full judgement amount of $892 on credit report.They should have updated the balance.
-At one point when I was late they sent a notice and reminder on 12/31/04 threatening to pursue suit for judgement for original balance of ($726.94??) if I didnt bring account current. which I did. However, I just noticed that he account number on the notice is totally different. I know that the balance due included a combination of itemized accounts for the individual medical services rendered. So, I dont know if it matters or perhaps it was an error.
-I requested a court copy of the judgement and noticed a 2 count complaint issued on 11/28/03 where t hey're stating I owe $952.18 rather than the original amount of $892.27 so I am not sure what I owe or what balance am I paying.
I havent called the attorney office because I am so irate and dont really know what to say or ask. I suppose they're following the law???? and will say they didnt do anything wrong.
I need to know if they can pursue the suit even after I made arrangements. ??
-Do they need to notify me if they're pursuing the suit after an arrangement??
-Do I have grounds to vacate or void this judgement??
-Can they still pretend/deceive me with claiming the case/claim is active pending and use this as a threatening tool even after the judgement.
. Does anyone know about Void Judgements and the UCC (Uniform Commercial Code) I heard these are the laws/rules used by attorneys to fight judgements. I really need to get rid of this ASAP.
Thank you everyone for as much advice as you can provideWhat is the name of your state?