QUESTION
I just learned a judgment has been filled and they garnished my bank account. What kind of attorney do I need?
Asked on Apr 25th, 2012 on Debtor and Creditor - California
More details to this question:
Sometime in 2004 or 2005 my credit card company wrote off my debt and sold it to someone else and
they sued me in civil court and entered a judgement against me in 2006 which I recently found out
when my bank acct was garnished this month (April 2012) I was never served about the judgment and don''t really even recal the debt. The debt is up to 12K because they have added ridiculous amount of interest and
penalties and now it shows it is still accruing interest daily. I don''t have the means to pay this back. Do I go to a bankruptcy attorney or civil attorney?
I have also done some research about this company that sued me and there are fraud alerts everywhere. Also, what is the statue of limitations on debt?
1 ANSWER
Bankruptcy Attorney serving Burbank, CA
Partner at
Law Office of Mark J. Markus
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3 Awards
Bankruptcy is certainly AN option to consider, but if this is your only debt and you have a good basis to dispute owing it, then you can try to fight it in state court. You need a civil litigation attorney who handles consumer collections matters.
Bankruptcy is a much easier route to go, and if you have other debts you need to get rid of anyway, it might be a good option rather than expending your resources and time to fight this creditor in state court, regardless of whether it was fraudulent or not.
Mark J. Markus, Attorney at Law
Handling exclusively bankruptcy law cases in California since 1991.
http://www.bklaw.com/
bankruptcy blog: http://www.bklaw.com/bankruptcy-blog/
Follow Me on Twitter: @bklawr
Answered on Apr 25th, 2012 at 2:21 PM