Full question:
An atty revived a judgment from 1989 in 2009 in NJ. A credit collection agency said for me to send them 150.00 to have the judgment dismissed. I never received a copy. Can I file a motion here in FL to have this dismissed? I was never served. The revival of judgment was filed in NJ in 2009. I have lived in FL since 1995. What is my best course of action on this? The judgment was revived one week prior to the expiration of 20 years. I was never notified of any of this until recently. It has never showed on my credit and I received no calls or mail on this in over 25 years. A supposed debt of 1400.00 is now 10,000.00. What would you advise?
- Category: Judgment Liens
- Date:
- State: Florida
Answer:
If a judgment was issued in New Jersey and a judgment lien was filed against you, you must file a motion to dismiss in New Jersey. However, you may also have options in Florida, depending on the specifics of your case, such as the terms of the contract regarding where litigation should occur and where the transaction took place.
Jurisdiction refers to the area where a court has the authority to operate, while venue is the specific location within that area where the case should be tried. Each state has rules about the proper venue for different types of lawsuits. In criminal cases, for example, the venue is usually where the crime occurred.
It’s unclear whether you paid the collection agency to dismiss the case and if they were authorized to do so. If they were, you might have a breach of contract claim against them. We recommend consulting a local attorney who can review your situation and documents.
In some cases, you may negotiate a settlement with the creditor, although this can be more challenging once a lawsuit is filed. Creditors might accept a lower amount if they believe you cannot pay the full debt. If you reach a settlement, ensure you get a release to prevent the creditor from pursuing the remaining balance.
If you need assistance negotiating with creditors, consider reaching out to a nonprofit debt counseling organization. You can find a list of authorized counseling agencies at the U.S. Trustee website, (select 'Credit Counseling and Debtor Education'). However, avoid paying anyone to 'fix' your credit.
This content is for informational purposes only and is not legal advice. Legal statutes mentioned reflect the law at the time the content was written and may no longer be current. Always verify the latest version of the law before relying on it.