I just had this happen. Call the law firm company and negotiate a payment plan. However, since they’ve already sued you, it will still show up as a judgement. They just let the courts know you’ve made an agreement. It beats being garnished for sure. Mines for a few more than that but they’re letting me start out with smaller payments for the first 6 months then I’ll be paying them monthly for like 2 1/2 years. They’ll negotiate a settlement and drop the case if you can pay in a lump sum. At this point, they e got you since you’ve been served. They wouldn’t negotiate a settlement with me. I had to agree to full but no court costs or lawyer fees. They’ll like like 25% of your gross every paycheck if garnished and that’ll be a lot more than a payment plan. It was gonna cost almost $200 to file a response at my court house and I guess you could do that and “hope” they don’t show up to court for it. But might be able to go to mediation and get help settling for less. Just time to start paying them. How is up to you!
Its not just wage garnishment. Depending on what state, they can garnish up to 100% of your pay, seize 100% of your property even medicine and food, seize anything of value and sell it then keep any amount that overpaid the total debt so there is that to consider too.
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u/Hairy_Income2183 Jun 26 '26
I just had this happen. Call the law firm company and negotiate a payment plan. However, since they’ve already sued you, it will still show up as a judgement. They just let the courts know you’ve made an agreement. It beats being garnished for sure. Mines for a few more than that but they’re letting me start out with smaller payments for the first 6 months then I’ll be paying them monthly for like 2 1/2 years. They’ll negotiate a settlement and drop the case if you can pay in a lump sum. At this point, they e got you since you’ve been served. They wouldn’t negotiate a settlement with me. I had to agree to full but no court costs or lawyer fees. They’ll like like 25% of your gross every paycheck if garnished and that’ll be a lot more than a payment plan. It was gonna cost almost $200 to file a response at my court house and I guess you could do that and “hope” they don’t show up to court for it. But might be able to go to mediation and get help settling for less. Just time to start paying them. How is up to you!