Served with garnishment that's over 6 years old

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laxzation
 
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Served with garnishment that's over 6 years old

Postby laxzation » Fri May 17, 2013 12:29 am

I was served a garnishment today at work that's 6 1/2 years. If I wait 6 more months it will be taken off my credit report but will I still have to pay the garnishment


DoingHomework
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Postby DoingHomework » Sun May 26, 2013 1:40 pm

A garnishment is a court order. You have to pay it regardless. It will not go away. It might expire after another 10 years or so but I doubt it. It's also going to create a new baddie on your credit report.

If I were you I would pay it in full as soon as possible and move on.

MemberSince99
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Postby MemberSince99 » Sun May 26, 2013 2:24 pm

Once they get a judgement they have 20 years to get you. They could have gotten you in 6 1/2 more years and you'd still have to pay it. It being on or off your report has nothing to do with the time they have to collect the money.

So yes, unless you can get the judgement overturned in court, which I'm guessing you may not be able to do, you will have to pay it.

DoingHomework
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Postby DoingHomework » Sun May 26, 2013 3:58 pm

MemberSince99 wrote:Once they get a judgement they have 20 years to get you.


That depends on the jurisdiction. And even after the 20 years expires, it takes like 10 minutes and a nod from a new judge to get another 20 years.

And during that first 20 years you can never get a credit card, loan, buy a house, and maybe not even get a cell phone or even a job or car insurance.

Rather than think about whether you can extend the scam, grow up and pay your bills.

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djrez4
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Postby djrez4 » Sun May 26, 2013 4:41 pm

20 years for district court, 6 for county. But yes, it's very easy to extend as long as you do it in time. It's a bit more than 10 minutes and a nod, but it's not much work at all.

You don't get to choose whether or not to pay a garnishment. It's a court order telling your employer to take money out of your paycheck. If it's not legitimate, go to court and challenge it. If it's real, you're going to be taking home a smaller paycheck until it's paid off. And, if you ask your employer to help you out by paying you on the side or otherwise lying to the court, the employer gets in trouble too.

Suck it up, buddy. Your past finally caught up to you.
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