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Can a creditor sue me??
i owe a certain credit collecter about 1300 dollars +/-. anyways they told me that i have broken too many promises and that they are now going to take me to court. I told them i was going to file bankruptcy (which i have not) and the letters and the phone calls stopped coming... What do i do from here? Do i continue making my 50 dollar payments? or do i just forget about it and hope that the creditors do not sue me?
Asked by
KBear121
1 year ago
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Yes. They can get a judgement stating that you owe the debt. They can then use this to place a lien on your personal property. The worst case scenario is that they will petition for and win the right to garnish your wages.
sksccm1 1 year ago
Sorry. Should have read the entire question. If you're not truly planning on filing for bankruptcy, then try to negotiate a monthly payment you can afford. Another option may be to try to borrow about $500 from a friend or family member and see if the creditor will settle the debt. If they accept, you could pay that person or relative off in 10 months at $50 a month.
sksccm1 1 year ago
Not all states allow them to garnish your wages.
Dogslurp 1 year ago
Sksccm... do you think they would settle for 500 dollars?? The debts are between 3 or 4 different companies... one is an energy company and one is for the hospital ER... the one for the energy company is for 850.00...
KBear121 1 year ago