What do I do if a judgment is served to me in Auburn, New York?
Answer:
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Yes, negotiate. It is always best to avoid court if you can but don't let them screw you either. Let them know your willing to go to court if you need to go.
When going to negotiate, make an appointment, take proof you have a little pension income, are unemployed, have no savings and that your net worth is small.
Then make them an offer about half of what you want the final payment to be. So go in and say, I want to make good but look at my position, I think I could pay you $10 or $15 a week, then try to get them to accept $25.
If they say no keep your paperwork together and go to court. Say the same thing to the judge. I tried to make good with the se folks and offered to pay $25 a week but they wouldn't take it. Look at my earnings, assests, etc. I think $25 a week is fair.
Try to look like a sad little puppy going up against the big evil bank and their lawyers.
DO NOT DO THIS UNLESS you are comfortable negotiating. If there is a chance you will get bamboozled you will need to get an attorney. Only you can make this choice.
Also you said you got a pension and are unemployed. If this means you are older play the 'I'm trying really hard' card too. I can only pay $25 a week now but I am looking really hard for a job, but you know it isn't easy at age XX to get work with all the other folks looking for work.
Just keep it simple, don't ovetalk to the judge, don't make the same point over and over, try to seem like the simple guy who's just trying his best to do the right thing.
Verify your email and keep me posted!
You really should speak with your lawyer about this -- it is a serious matter. The holder of the judgment can levy against your property (car, house, bank accounts) or can garnish your wages. Perhaps your lawyer can work out a payment program with the judgment holder.
you agree to pay monthly, you try to get the best deal for yourself.
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