Validating credit card checks
I never got an answer or received a call back and due to my job I can’t sit around trying to call them all day. I sent a certified letter to offer a debt settlement and to also inquire about my payment options.
This was 2 months ago and I never received a response until today, I receive a “Post Judgement Questionnaire” requesting information such as my current employer, bank account information, and monthly expenses.
Filling out and signing this questionnaire gives the Couch, Conville, & Blitt the authorization to retrieve any of my personal information from my employer as well as my financial institution.
Judgment debt, whether past due credit card bills, personal loans, medical bills and other debts, are easier to negotiate and settle while maximizing your percentage of savings results if: The one thing you can control is whether you have a bank account with your name attached.The lien on property will generally not involve forcing the sale of the property in order to satisfy the judgment.You should look to resolve the judgment prior to selling the home (negotiate a settlement before listing if possible), or refinancing (settling before a lender does a hard credit pull is often best). Once your wages are attached the creditor has little reason to work with you at resolving the debt for less because they will continue to get paid unless: Interest is accumulated at the rate set by the court, or the maximum allowed by law in your state for judgment debt.Michael has participated as an expert panelist in federal consumer protection rule making, collaborated on state law changes governing debt consolidation, has worked as an expert witness in court matters related to the debt relief industry, and is a regular contributor to several personal finance websites. A few months ago, I had a judgement filed against me by Couch, Conville, & Blitt LLC on behalf of Portfolio Recovery Associates for an old store credit card.Upon receiving my copy of the judgement I attempted to contact their office via phone to discuss a possible settlement.