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DR2016

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what to do if you get a letter from creditor on a judgment?

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The term judgement means that the creditor took you to court. This usually occurs if you ignore their requests for payment.   You either lost or did not bother to show up for the court date.  This would also indicate that you were aware of the court date as you were served notice.   If you were never served, you should contact an attorney about your rights.   Presuming the judgement is valid, you should contact the creditor to begin some type of payment arrangement and stick to the arrangement, no matter what.   As they already secured a judgement, this means that if you don't pay they can go back to the court (without you) and ask that your wages be attached for the full amount of the judgement and any additional court costs.  The last thing you want to find out on payday friday is that your check is only $180 because they took all the other earned income to pay off the judgement.  This will continue until the judgement has been paid off in full.

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