J
JessJ
Guest
- Jurisdiction
- Ohio
In the process of trying to buy a house we found that I have a very old judgement I was unaware of that has to be settled/satisfied before we can close!
The judgement is from 2010 for $2001 from Cach LLC (a collection company that purchased the debt from the original creditor). After finding the judgement and contacting the collection company; they said it has been sitting dormant for years and they have to assign it to a lawyer. A couple days later it was assigned and I was connected to the lawyer's office. The lawyer or clerk I spoke with was, of course, pushy; "this is a judgement and therefore collectible and we have the right to fully collect it, etc." I offered to settle for half and was told that's not possible and not the way it works, (which I know is not true, I am aware that I may not have all the cards, but they didn't even know this existed until I tried to do something). I was then told he could get the $600 of accrued interest and just have to pay the original $2000 judgement amount, but only if I paid it RIGHT NOW and they take credit cards so I should just put it on another card and get rid of it.
My husband proceeded to tell him that we needed some time and would attempt to get that together, but there's no way they shouldn't be able to work with us considering its been dormant so long and hung up on him. (This is a shortened version of the 30 minutes I spent on the phone with this person)
I am trying to figure out what my next step should be and/or if obtaining an attorney would help as I'd much rather pay an attorney than these people!
The judgement is from 2010 for $2001 from Cach LLC (a collection company that purchased the debt from the original creditor). After finding the judgement and contacting the collection company; they said it has been sitting dormant for years and they have to assign it to a lawyer. A couple days later it was assigned and I was connected to the lawyer's office. The lawyer or clerk I spoke with was, of course, pushy; "this is a judgement and therefore collectible and we have the right to fully collect it, etc." I offered to settle for half and was told that's not possible and not the way it works, (which I know is not true, I am aware that I may not have all the cards, but they didn't even know this existed until I tried to do something). I was then told he could get the $600 of accrued interest and just have to pay the original $2000 judgement amount, but only if I paid it RIGHT NOW and they take credit cards so I should just put it on another card and get rid of it.
My husband proceeded to tell him that we needed some time and would attempt to get that together, but there's no way they shouldn't be able to work with us considering its been dormant so long and hung up on him. (This is a shortened version of the 30 minutes I spent on the phone with this person)
I am trying to figure out what my next step should be and/or if obtaining an attorney would help as I'd much rather pay an attorney than these people!
