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To settle a civil judgment, you can contact the creditor or collection agency and threaten them with a bankruptcy filling,
Hi thank you!
and see if they will take a 20% payment for the balance,
you should offer this first, and work your way up if you wish,
That is a great idea
Since a judgment was already given, they will have leverage, however if you can show that you have limited income and assets they may try to negotiate,
at worst they will usually take a 50% plan
the judgment is in CA and we are moving to IL I assume that they can still get us...
yes, it is harder,
but they can do this, as they can garnish wages through your social security
The advice you gave us is very sound
Thank you so much!
Another option is to not open any bank accounts, and close the one you have now,
We will contact them and start as you suggested with offering 20%
so they cannot freeze the accounts,
they may try to settle with you at that point, but do offer 20% with a threat of bankruptcy
Got it :-)
Good luck, and if you have any further questions please do not hesitate to ask.
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The situation is that the judgment is on my wife's name, on a property she owned BEFORE we got married
Thank you for your time and great advice
they can only go after her, as this would be separate property,
in CA they may try to go after you as it is a common law state,
In Illinois, they can only go after her.
If you have any further questions please do not hesitate to ask.
Thank you for your time, if we do we will try and ping you again
Great service :-)!!!
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