My questions involve judgment recovery in the State of: Louisiana
Hi everyone & thanks in advance for the responses! I just skimmed all 28 pages of posts & did a search but didn't turn up any really helpful answers for my situation. I was issued a summons from NCO in May 2007 & a default judgment was served in May 2008. I was never issued a subpoena for a debtor exam.
My question is did NCO conduct their own asset check & found that I didn't have any assets at that time & that is why there was a year delay between the summons & judgment? I can still be served for a debtor exam anytime correct?
I just checked my credit report & I have no collections on file & this judgment is not listed but I know that doesn't mean that it doesn't exist. The date reported on this negative account & another closed credit card account that was "charged off" has been changed to 11/2009. The last year of delinquency for these two accounts is 2005 both in the amounts of over $10,000 if that matters. I have not received any recent mailings or phone calls from any collectors.
Was the "date reported" updated because NCO possibly tried an asset check again in 11/2009? Does anyone know what the creditors do during this "date reported" time that updates the date on a credit report or is this just an automatic kind of thing?
I currently still have no assets and only use cash. I have been selling on EBAY but a partner of mine has been handling all of the Paypal payments. Now my partner has to move & the bank account linked to Paypal will have to be closed. I have not tried to open an account in person recently but I am thinking of trying to open an online account but fear that the judgment will levy any account.
Eventually the collectors will find any online/local branch or savings/checking account I open by my social security number right?
Final question is can the judgment put a freeze or levy money in a Paypal account with my name on it?