Need Help on Debt Collection

[Astaruse]

I am in Texas.

I am owed $3,000 by a former friend who borrowed money from me and now refuses to pay it back. She is on very good terms with the police and has filed a few false reports about me, so I cannot go the legal way. I do have a signed paper from her that she would pay the money back, but because of the false things she has said about me I can't go the legal route in small claims court and I cannot afford a lawyer anyway. How can I go about being placed on her credit record, or what else can I do?


Astaruse

 

[racer72]

How can I go about being placed on her credit record, or what else can I do?

You can't and it sounds like you ought to just get on with your life. Unless you think $3000 is worth fighting over.

 

[Dandy Don]

Your explanation that you "can't go into small claims court" does not sound believable. Small claims court would be the best way for you to go, and since you have documentation of the debt, you have a slam-dunk 100% winnable case. And you wouldn't even need an attorney--you could defend yourself.

Getting the judgment is the first step. However, collecting it is another matter. If you can't or won't consult with a local collections attorney about how to collect the money, visit a library or bookstore and check out a book about How To Sue Or Collect In Small Claims Court. There are many official ways to collect on a judgment, but many are not known to the general public.

DANDY DON IN OKLAHOMA ([email protected])

 

[Ladynred]

I have to agree with Don, sue her ! You have a signed agreement and that's more than most people have who go thru this. She may have 'friends' on the police force, but in court you won't deal with the cops - you deal with a judge and I doubt she can buy the judge. You can't garnish her wages if you win, but you can go after bank accounts and anything else non-exempt.