Can I make a motion to appeal a case after a financial judgement has been ordered?

Question

I defaulted on an agreement to make payments to a creditor on behalf of an outstanding medical bil. The creditor took me to court last year and settled an agreement to make payments for the medical bill. I payed off half while employed. I went into default of the agreement since I have been unemployed for the year. They took me back to court and the judge order a judgement against me. I have a retail job working less that 30 hours a week making less that 9 hourly. What are my options?

Answer 1

Once they have a judgement they can garnish your wages if they know where you work and levy your bank account. First of all, don't tell them where you work. Tell your relatives if they call for you, not to give them any information about you at all.. If you have ever paid them a payment before with a check then have stored your bank account information and that is an asset for them to go after. If that is the case then immediately shut your checking account down now and open a different account at a different bank.. If you ever pay them then pay them with money orders only and tell them you don't have a bank account.... I use to work in medical field of collecting for our legal dept and once we had an asset on someone, like job, bank account or property ownership then we would go after them. If any of the things I mentioned here applies to you then do what I say and that will buy you more time until you can pay it. I imagine since its been a year they don't have anything on you but it will stay there on your credit until you settle with them. If you do settle or make arrangements then pay by money order only. You will not be able to reverse the judgement once its in place. Good luck and Merry Christmas!

Answer 2

What possible grounds would you use? Losing your job and now only working part time for lesser wages certainly isn't grounds to appeal.

You only option is to pay the debt. You could try to work out a lower payment plan with the creditor but I wouldn't count on them being too agreeable to that. The creditor can take that judgment and garnish you wages, probably 25%. Or they can attach your bank account.