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Question

I got served with papers from the County District Court for a loan at a finance company for 847.70 for non payment for being one month behind. It says I am to be in court at 9am on November 16th. I am just wanting to know what they will do after I show up to court and everything, what is the worst thing that they will do. It is in the state of Oklahoma if that helps.

Submitted: 17 days and 22 hours ago.
Category: Legal
Value: $15
Status: CLOSED
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Optional Information

State/Country relating to Question: Oklahoma

Already Tried:
I haven't tried anything, I just want to know if they can garnish my wages or set me up with more payments or if I'll lose something or go to jail.

Posted by JA Expert 17 days and 22 hours ago.

Answer

First, make sure you show up or else the plaintiff will likely get a default judgment. Once at court, the plaintiff will likely ask if you want to try and work something or the Judge may ask if you and the plaintiff want to go to mediation, to try and resolve this. You can try and resolve this and offer an amount less then what is owed. Another option, would be to ask if you can make partial payments. If nothing can be worked out, the lawsuit will go on. If a judgment is entered against you, the plaintiff could try and garnish your wages, to satisfy the judgment if it is not paid. If this is a civil lawsuit, jail is not going to happen.

17 days and 22 hours ago.

Reply

It is a civil lawsuit. I want to just make some sort of payment arrangement because I do not have the money to offer them anything at this time, of course court is not until the middle of Novemeber so I might be able to get something worked out by then. Do I need a lawyer to represent me? I don't want to fight it, I just want it to be over with. I just know that I can't afford a lawyer. Will I have an appointed attorney or is it just me against them? One last thing, do I tell them I want to go into mediation if I have something to offer them? With it being $847.00 what do you think would be something to offer (realistically) that I can come up with? Or do they do the offering?

Accepted Answer

If you do not want to fight this, then you do not need a lawyer. You can certainly try and work something out ahead of time. If not, you can try and work something out in court. You can ask for meditation, if you are unable to work things out yourselves. With the debt being $847, try and see if the will settle for half. Explain to them the financial hardships you are facing and see if they will lower the debt.

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Expert: JA Expert
Pos. Feedback: 98.1 %
Accepts: 
Answered: 11/4/2009

Attorney

Experience in misdemeanor and felony cases. General legal.

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