Legal

Ask a lawyer and get answers to your legal questions

Ask a Lawyer,
Get an Answer ASAP!

This answer was rated:

I received a letter saying "notice of debtor of exemptions"

I received a letter...

I received a letter saying "notice of debtor of exemptions" I do not know what this means. I have been making all payments on my defaulted loan.

Lawyer's Assistant: What state is this in? And when did the issue begin?

Missouri. The original judgment was exactly one year ago. I received this document a couple of weeks ago. I also received a document another court document that I am unsure what to do with

Lawyer's Assistant: Has anything been filed in civil court? If so, what?

This document says the original date judgment was entered was 9/1/16

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

The original balance of the judgement was $7791, now on the latest document it says $9042. I've paid $300 every single month since last September. Why would the balance have gone up? n

Show More
Show Less
Ask Your Own Legal Question
Answered in 23 minutes by:
9/5/2017
Ely
Ely, Counselor at Law
Category: Legal
Satisfied Customers: 103,584
Experience: Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
Verified

Hello and welcome to JustAnswer. Please note: This is general information for educational purposes only and is not legal advice. No specific course of action is proposed herein, and no attorney-client relationship or privilege is formed by speaking to an expert on this site. You may also be offered a phone call, but those don’t come from me and are offered by the website and you are under no obligation to accept.

I have not seen the letter. However it seems to mean that for one reason or another, they have filed suit against you. A notice of debtor exemptions is a legal notice of things that the creditor cannot attack for judgment. Without knowing more, it is hard to say. However someone in your situation may wish to FILE AN ANSWER with the Court (if this has already not been done) and call the creditor to see what is happening and why this is going on.

Please note: If I tell you simply what you wish to hear, this would be unfair to you. I need to be honest with you and sometimes this means providing information that is not optimal. Negative ratings are reserved rudeness or wrong information. Please be kind!

"I STRIVE FOR FIVE!" My goal is to answer your question to your satisfaction. Please rate with five stars (★★★★★) and click SEND. It does not cost anything extra to rate. You may need to scroll left/right/up/down to see these stars. Rating my answer the bottom two stars or failing to submit the rating reflects poorly on me, even if my answer is correct. If you are not satisfied for whatever reason, or, have follow up questions, please simply reply with SEND before or after rating and let's continue to chat until you are satisfied. This is what I am here for.

Ask Your Own Legal Question
Customer reply replied 11 months ago
How do I file an answer with the court? Is there more information that I can provide you to help with answering my question?
Customer reply replied 11 months ago
Also, I am confused how the balance is the judgement against me increased. I'd like to pay the debt off and be done with this. But I've been paying on this for an entire year, and some how instead of balance decreasing, it increased

Were you served with a lawsuit? Or is there a lawsuit open against you?

Ask Your Own Legal Question
Customer reply replied 11 months ago
I was served with a law suit last year. I went to court and we agreed that I'd pay $300 a month until the debt was paid.
I received a new court document this week, but I believe it was a court document seeking to garnish my wages. Please forgive my ignorance, this is all a foreign language to me. I can provide you with a case number ***** you'd like

Okay. No problem. Okay... it sounds like there is a judgment against you. I do not know how/why the creditor got one, but they can only try to garnish wages once there is a judgment.

Someone in your situation simply needs to call the creditor immediately tomorrow to see what is going on and why they asked for (and got) a judgment. There is very little else I can say, I am afraid.

Kind Reminder: Please, use SEND button to keep chatting, or please rate positively and click SEND to submit your rating once satisfied. You may always ask follow ups at no charge before or after rating. "I STRIVE FOR FIVE!"

Ask Your Own Legal Question
Customer reply replied 11 months ago
Is there a way that this can be reversed? And is it possible to just pay the debt in full and make this go away?

Reversed? The creditor has to agree. Or the Court has to reverse it. It is very hard to say because we have limited facts.

If you pay the whole amount due, then yes, the matter should be settled, but you have to check how much the JUDGEMENT is for.

Kind Reminder: Please, use SEND button to keep chatting, or please rate positively and click SEND to submit your rating once satisfied. You may always ask follow ups at no charge before or after rating. "I STRIVE FOR FIVE!"

Ask Your Own Legal Question
Customer reply replied 11 months ago
For some reason, the current judgement is for $2000 more than the original judgement of $7761 that was a year ago. Even though I've paid $3600 ($300 every month for the entire year) I guess I am unsure what I need to ask the creditor specifically.

No problem. Suggestions:

"Why is there a judgment against me when we agreed that there would not be provided I pay in installment? Or did I misunderstand?"

"Please clarify the calculation of the judgment? Are attorney fees included, is this why it higher?"

Kind Reminder: Please, use SEND button to keep chatting, or please rate positively and click SEND to submit your rating once satisfied. You may always ask follow ups at no charge before or after rating. "I STRIVE FOR FIVE!"

Ask Your Own Legal Question
Customer reply replied 11 months ago
That's helpful. Is this something I could potentially resolve over the phone with the creditor? Or will I need to go back to court?

I would call the creditor tomorrow. Whatever is agreed upon must be in writing and signed - nothing verbal will be enforceable. If there cannot be anything agreed upon, you'd have to go back to court, I am afraid.

Kind Reminder: Please, use SEND button to keep chatting, or please rate positively and click SEND to submit your rating once satisfied. You may always ask follow ups at no charge before or after rating. "I STRIVE FOR FIVE!"

Ask Your Own Legal Question
Customer reply replied 11 months ago
Should it come to that.... how do I request to go back to court?

Oh boy. Well, first of all you should be NOTIFIED of any hearings by the other party should they file them.

If you wish to try to set aside the judgment, it becomes very complicated. I am afraid you'd need an attorney.

Kind Reminder: Please, use SEND button to keep chatting, or please rate positively and click SEND to submit your rating once satisfied. You may always ask follow ups at no charge before or after rating. "I STRIVE FOR FIVE!"

Ask Your Own Legal Question
Customer reply replied 11 months ago
Well, then I don't want to do that. I just want to pay it off...but I don't want to pay more than the original judgement. I suppose I'll just see where I get with calling them tomorrow. One last question. Typically I just deal w the non attorney who's handling my case (the lady who takes my payment) am I able t speak w the attorney handling the case?

Up to them. Normally if you deal with a paralegal, they should be able to answer all your questions. However if you say that you will pay off the amount if you can talk to an attorney, that should get their attention. I guarantee it.

Kind Reminder: Please, use SEND button to keep chatting, or please rate positively and click SEND to submit your rating once satisfied. You may always ask follow ups at no charge before or after rating. "I STRIVE FOR FIVE!"

Ely
Ely, Counselor at Law
Category: Legal
Satisfied Customers: 103,584
Experience: Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
Verified
Ely and 87 other Legal Specialists are ready to help you
Ask your own question now
Customer reply replied 11 months ago
Ok. That is all very helpful. Thank you very much!

You are very welcome. Good luck. Let me know what happens if you care to.

Ask Your Own Legal Question
Customer reply replied 11 months ago
I absolutely will!

Great.

Ask Your Own Legal Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Ely Your Own Question
Ely
Ely
Ely, Counselor at Law
Category: Legal
Satisfied Customers: 103,584
103,584 Satisfied Customers
Experience: Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

Ely is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it.

LeeMichigan

< Previous | Next >

Meet the Experts:

Ely

Ely

Counselor at Law

103,584 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

INFOLAWYER

INFOLAWYER

Attorney

22,843 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

44,266 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo Senmartin

Guillermo Senmartin

Lawyer

301 satisfied customers

Principal Attorney at Guillermo J. Senmartin, P.A.

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

17,183 satisfied customers

Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.

< Previous | Next >

Related Legal Questions
A few questions dealing with Texas law regarding Civil Law,
A few questions dealing with Texas law regarding Civil Law, Judgements and Property Code and Insurance Code. My father has been served with papers for a civil case involving a credit card account ( $1… read more
Ray
Ray
Lawyer
Doctoral Degree
33,823 satisfied customers
I just received a default judgement in the mail and I was the
I just received a default judgement in the mail and I was the plaintiff in this small claims case. How do I go about collecting on it or attaching it to property or bank accounts? Is this even an opti… read more
Law Pro
Law Pro
Doctoral Degree
19,000 satisfied customers
Monetary Judgement granted in Missouri. Bank account is frozen
Monetary Judgement granted in Missouri. Bank account is frozen due to garnishment. What is the process in Missouri once your accounts have been frozen due to garnishment and do you have any rights… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
I will pay your 28 dollars but it would be nice to get an answer
I will pay your 28 dollars but it would be nice to get an answer specific to my case and not just general I have abandoned on my farm 7 registered horses (not worth what Im owed) I hired a lawyer but … read more
Law Pro
Law Pro
Doctoral Degree
19,000 satisfied customers
DEBT COLLECTION-SETTLEMENT. My wife signed up w/ a debt
DEBT COLLECTION-SETTLEMENT. My wife signed up w/ a debt settlement service to reduce/negotiate a credit card debt. The debt settlement svc has been collecting $300 per month for almost 2-yrs & has bee… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
22,843 satisfied customers
Amex has wrongfully gotton a default judgement on me. 4th law
Amex has wrongfully gotton a default judgement on me. 4th law firm for plaintiff failed to notify me or my attorney of hearing. Then they garnished my bank account (joint) containing Social Security D… read more
Law Pro
Law Pro
Doctoral Degree
19,000 satisfied customers
I just received a Notice of Levy Execution (Money Judgement).
I just received a Notice of Levy Execution (Money Judgement). An exemption for Direct Social Security is listed at $2,875. Is that yearly or monthly? Charles Glenn… read more
Brandon M.
Brandon M.
Attorney at Law
Juris Doctorate
12,463 satisfied customers
I just received in the mail a notice of default final judgement.
I just received in the mail a notice of default final judgement. It is for a Amex card in the amount of $29,913.17 plus $3,304.38 interest. The court papers were served to a friend of mine, who was st… read more
Dave Kennett
Dave Kennett
Doctoral Degree
25,741 satisfied customers
When a default judgement in Ohio is obtained on a consumer
When a default judgement in Ohio is obtained on a consumer who lives on Ohio by an open ended credit card company does the judgment supercede the debtor's statute of limitations rights in Ohio. For ex… read more
D. WINOGO ESQ.
D. WINOGO ESQ.
Hearing Officer/Attorney
Doctoral Degree
100 satisfied customers
I received a judgment from Citibank 5 years for about $10,000
I received a judgment from Citibank 5 years for about $10,000 with a judgment interest rate of 29.99% but they never tried to use the judgment to collect. Would they likely settle on some percentage o… read more
Daniel Solutions
Daniel Solutions
Doctoral Degree
5,212 satisfied customers
i have a credit card default judgement against me from 1996
i have a credit card default judgement against me from 1996 and there is an order here in florida to collect. the original was in ny . i was told the judgement was good for 20 years . i receive a pens… read more
Barrister
Barrister
Attorney/Landlord/Realtor
Doctoral Degree
38,294 satisfied customers
I was granted a bankruptcy chapter 7 discharge back in 2007
I was granted a bankruptcy chapter 7 discharge back in 2007 and there were several creditors that were listed as part of my case. One of these creditors had placed a lien judgement against me for 1,25… read more
xavierjd
xavierjd
Juris Doctor
3,361 satisfied customers
When you buy a computer is there a statue of limitations when
When you buy a computer is there a statue of limitations when company can file suit and have your wages garnished?… read more
Lady Themis
Lady Themis
Attorney
Doctoral Degree
65 satisfied customers
I voluntarily defaulted on a loan for an RV after my husband
I voluntarily defaulted on a loan for an RV after my husband died. The creditor auctioned the RV and says I still owe almost $10,000. I have written them and told them if I could afford to keep it, I … read more
Law Pro
Law Pro
Doctoral Degree
19,000 satisfied customers
What is the statute of limitations on a civil default judgment
What is the statute of limitations on a civil default judgment and questions about forged documents received from someone saying they have been assigned to this debt.… read more
Roger
Roger
Litigation Attorney
Doctoral Degree
26,939 satisfied customers
Hi, I have a credit card that is a couple years old, and roughly
Hi, I have a credit card that is a couple years old, and roughly a year ago, I defaulted on it. The original balance was around $2,000, and now I am getting mail from an attorney who is billing me for… read more
Christy
Christy
Attorney
Doctoral Degree
294 satisfied customers
If a civil judgement was filed 10 years ago in a state ...
If a civil judgement was filed 10 years ago in a state while that person lived in another state, what is the time limit for the civil judgement?… read more
Lawrence N. Rogak, Insurance Atty
Lawrence N. Rogak, Insurance Atty
Managing Attorney
Doctoral Degree
1,032 satisfied customers
Civil law - The situation is a suite where a bank sued an ...
Civil law - The situation is a suite where a bank sued an individual for default on paying credit card debt. The last two mailings rec'd since last year was one notification of date to dismiss docket,… read more
TJ, Esq.
TJ, Esq.
Juris Doctor (JD)
11,467 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x