Hello friend. My name is Ely, and welcome to JustAnswer. Please note: (1) this is general information only, not legal advice, and, (2) there may be a slight
delay between your follow ups and my replies.
I am very sorry for your situation.
First of all, confirm that the law office is indeed representing the Plaintiff credit card company, even if it means calling the credit card company and confirming this - it is important - so you do not end up paying money to some scammer.
Now, once this is confirmed, then allow me to explain how this works.
At the moment, you are paying to your local Sheriff's office that is then sending the money to the plaintiff. The judgment total is calculated by the Clerk's Office and the Sheriff's Office is in charge of collecting the judgment and distributing it to the plaintiff in North Carolina.
If you make a lump sum payment directly
to the Plaintiff, this is also allowed. However, one should keep careful records and also ask for a receipt every time. When the judgment is paid off, one in your situation will want to make sure that the law firm then fills out and turns in a Certificate of Payment / Satisfaction of Judgment
form - see here
. Once this is done, then your payments are reflected in the system as being all paid off and the matter would terminate.If I pay the lawyer's office the installments what will happen when the debt is paid?
Whatever you pay to the lawyer directly should also register in the system as they should credit you for it.Will it be taken off my credit?
Once the judgment is paid off, the law firm should also send you a letter of satisfaction. This letter of satisfaction can then be mailed to each of the three credit bureaus to reflect that the matter is satisfied and the judgment shall be marked as 'paid,' which should improve your credit rating. And if I do pay the lawyer's office instead of continuing to send my money to the Clerk's office, what happens to the money I have already sent in towards this debt?
One still receives credit for the money paid before via the Sheriff's Office as well.
I hope this helps and clarifies. Good luck.
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