my mothers bill is like $1,200.00 and they said that if she doesn't pay it then they will take her to court. i thought it just goes on your credit.
2007-09-20 18:01:47 · 25 answers · asked by nates_baby 2 in Business & Finance ➔ Credit
If you owe someone money, anyone can take you to court. It's just a question of whether they would or not. Most likely they'll just turn the debt over to a collection agency and yes that will reflect poorly on your credit.
2007-09-20 18:06:06 · answer #1 · answered by David M 6 · 1⤊ 0⤋
Well it does go on your credit. But for that kind of balance, the cell phone company or the collection agency will most likely take her to court. Companies are more likely to go to small claims over amounts that they use to just write off. If this is a collection agency calling, they probably will sue.
They will go to court, win a judgment, attach your mother's bank account, garnish her wages, and lein her property. All of which will put further dings on her credit report.
So who ran up the bill so high? Multiple phones or just not bothering to pay the bill every month?
2007-09-21 01:13:43 · answer #2 · answered by bdancer222 7 · 0⤊ 0⤋
Nope,(not just to credit, yep they can and will take you to court) the contract she agreed to is a legal document, disputes are resolved in a court of law. If it goes that far, attorneys costs, court costs and filing fees will be added to your mom's bill if she loses. The only way she will win is if she can prove she doesn't owe it. Reasons why she couldn't pay, no matter how valid, will not resolve the matter. The phone company doesn't want to take her to court however, they just want her money. If she agrees to start paying and gets this agreement in writing from the company (if I pay you will not sue) then she should start paying. A judgment on her record is worse than simply a collection, it costs you more points, stays on credit for longer and can effect her ability to gain credit for longer and stop her getting a security clearance if that is an issue.
2007-09-21 01:12:54 · answer #3 · answered by Morgan M 5 · 0⤊ 0⤋
ANY company can take you to court if you owe them money, it will go in your credit also but they will do anything to get their money, but this takes time, they will exhaust all the alternatives before they take her to court and probably garnish her wages, she would end up paying more than what she original owes, they'll add up interest charges as well as court costs and legal expenses. Her best chance is to call the cell phone company and make a payment arrangement, they will be able to work with her if she is willing to pay.
2007-09-21 01:07:46 · answer #4 · answered by fun 6 · 0⤊ 0⤋
And where does it go from the credit company? If it's at that point, they are going to take her to court. This is a long going problem that you can't keep saying "put it off". Obviously the company is even tired if using the collection agency. PAY THEM or your going to lose everything!!
2007-09-21 01:09:05 · answer #5 · answered by shell 5 · 0⤊ 0⤋
any company can take you to court over and outstanding bill. Its just with court cost and all i'm sure they want to take the people with the highest bills to court. You can't just not pay something, it just don't magically fall of the face of the earth. Other people will get stuck paying for your mistake because people think "it will just go on your credit".
2007-09-21 01:06:07 · answer #6 · answered by Anonymous · 2⤊ 0⤋
Companies you owe money to can go to court and sue you. They win and the person will have a judgement set against them to pay the money. The court can order a garnishment from your mother's payroll check, or bank account in monthly payments. The lawsuit will include damages and interest and is hard to pay off. She is going to have to pay it. Not to mention her credit is shot to hell. Companies are tired of customers not paying their bills.
2007-09-21 01:06:06 · answer #7 · answered by Sparkles 7 · 0⤊ 0⤋
It's up to the company. Cell phone contracts are generally not reported to the credit agencies, but they can send it to collections if you're way past due. Yes, they can take you to civil court though.
2007-09-21 01:04:36 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Any creditor can take anyone to court for non payment.
They have the right to get their money back, and they have the right to tack on $500 or $1000 for court costs and legal fees (in most states)
She might have to take a second job to pay the bill, it would be easier (and cheaper) for her in the long run.
2007-09-21 01:06:51 · answer #9 · answered by Gem 7 · 0⤊ 0⤋
Jut pay cause lawyer fee might cost more than, also those company probably has a very good lawyer. My best advice to you is called speak to their manager, what was the reason bill been charge 1200 at first place.
2007-09-21 01:05:08 · answer #10 · answered by Anonymous · 0⤊ 1⤋