	AllExperts > Creditors and Bankruptcy
	Search

About Regan Shinski
Expertise
I can answer questions on collections, repossessions, bankruptcy, credit repair, credit counseling, FICO scores, credit planning, and the cause and effect of credit related decisions. I can also answer questions on collection settlements and preparing to sue your creditors for false debts and credit reporting.

Experience
Fifteen years ago I was financially devasted due to severe health issues. I filed bankruptcy, had a foreclosure, car repossession, tax lien, and ruined credit. I immersed myself in credit law. I settled dozens of accounts and had them removed to improve my credit. I personally sued four creditors and collection agencies and won cash settlements for their false reporting on my credit reports. Since then, I have completely recovered and have nearly $100,000 in revolving credit lines and perfect credit. I have owned a credit repair company for the past five years and have an additional three years of specific work in the collections and debt management industry. I am fully versed in the Fair Debt Collection Practices Acts (FDCPA), Fair Credit Reporting Act (FCRA), and have used them successfully in collection settlements and lawsuits for myself and others. I am also familiar with and abide by the Credit Repair Organizations Act (CROA). I have deleted or helped delete literally hundreds and hundreds of derogatory items from consumers' credit reports and helped negotiate many settlements with collection agencies and creditors. I have also advised people on bankruptcy at any stage. In the current credit market, I have successfully advised numerous people on how to obtain credit and how to negotiate for better terms.

Education/Credentials
BA - University of Minnesota

Past/Present Clients
(private)

You are here: Experts > Shopping > Credit/Debt Management > Creditors and Bankruptcy > automatic judgement

Creditors and Bankruptcy - automatic judgement

Expert: Regan Shinski - 11/6/2009

Question
A credit card debit judgement enter against me on Oct 14 2009 claiming that I did not answer summons dated 6/24/09. The summons that was sent to me was dated 11/20/08 which I answer to the plaintiff and the court. Now the plaintiff says it has automatic judgement against me that they will enforce. I live in New York state, on SSDI, own only a car, and have problems walking. I believe they are going to use the automatic judgement to avoid the laws that should protect me. What can I do at this point protect myself and fight this?

Answer
I am assuming you mean you have a default judgement against you. This is usually the case if the court deems you did not show up for some type of proceeding. If that is the case you can file a petition with the court to vacate the judgement on the grounds you did not know about it or were not properly served. This is basically the only way you can fight the judgement. It's basically asking for an appeal.

You should take some steps now to protect your money. SSDI is generally not allowed to be taken to satisfy a judgement. However, you need to take steps to protect it. The most important thing is to be sure you have an account where ONLY SSDI funds are deposited. If you have EVER put funds other than SSDI funds in your current account, it is in danger of being attacked to satisfy the judgement. I strongly recommend getting a new account and use it only for SSDI funds. Make the bank put a note on the account that it is only to be used for SSDI funds. I mean don't even deposit $10 in cash that is not an SSDI deposit. The reason is if any funds are co-mingled, the bank will claim they cannot separate funds and then your SSDI is at risk of being taken to satisfy the judgement.

I hope this helps. Good luck.

Regan
mbscompany@aim.com

Add to this Answer Ask a Question