My question involves judgment recovery in the State of:Arizona
I have had a default judgement entered against me by Wells Fargo, the judgement was for a credit card balance of approx $19k. and was entered in Decemer of 2008.
At the time this happened I was in dispute with WellsFargo and the credit insurance company CSI who insured this account against unemployment.
Wells Fargo went ahead and sought a judgement even as we where still disputing the matter and I blew it by not attending the hearing. I was just recently reemployed, had lost my house, been forced to relocate and generally did not have the resources to fight one more thing. No excuse just what happened.
Since the judgement was entered the previous attorney for Wells Fargo has place a garnsihement, and let it lapse twice and the last time I had to file a motion to remove it after months had passed without action.
My question is 2 fold
1. Can a creditor continue this practice of initiating a garnishment and letting it lapse indefinately? This could cost me my job. and seems to be punative. We have just receive notice that a new attorney is about to begin another garnishement.
2. The original issue was that I and my wife hold this card jointly from its establishment in California, we placed Credit protection insurance on the card in 1998 and paid this until my unemployment in late 2006. When we tried to use the unemployment protection CSI stated that Wells Fargo had only had unemployment insurance coverage for my wife even though I am the person who intitiated coverage as my wife was not working at the time. Do we have any recourse? This is/was a joint account and it seems odd that they could sell us coverage that we could not use as my wife did not work and converage the was different for both parties on a joint account? This entire situation would never have occured had the insurance covered the 6 month period of unemployment, is this soemthing I can use to have the judgement removed or should I speak to an attorney about counter sueing?
Thank you for any help in this matter

