My question involves judgment recovery in the State of: California
Each month since January 2012, I receive a letter from the creditor to settle this 3K debt for half the cost. But since I’m not employed, I can not even afford to settle for half the cost. In late December, I received a copy of the “request for default” that the creditor submitted to the court, yet at that time, I had a court date of 4/2/12, but by late March 2012, the records got updated to a 9/28/12 court date. So I’m lost and have no idea what will/could happen next. I do know that if the judge has has officially declared a default by now, that they can actually do it at any time at this point. Then once they declare that I’m in default, the plaintiff will win and that the 9/28/12 future hearing date will be updated (to reflect to say NONE). Thus far, I’m guessing that the creditor can put a lien on my house, levy my bank accounts, and try to garnish my wages when I become employed again. Since I only owe 3K, I was thinking about just writing the creditor to let them know I want to pay this debt, and that I will pay it as soon as I’m gainfully employed. Yet I can’t believe that CitiBank went through all of this trouble for a 3K debt.
CASE SUMMARY:
Case Number: XXXXXXXX
CITIBANK VS. DOE, JOHN Q
Filing Date: 10/04/2011
Case Type: COLLECTIONS CASE (Limited Jurisdiction)
Filing Court: A Los Angeles courthouse
Status: PENDING
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Future Hearings
09/28/2012 at 08:30 AM in department WED at a California city courthouse, CA 12345
OSC - 3.740 COLLECTIONS-DEFAULT JUDGMENT
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Parties
Plaintiff: CITIBANK N.A.
Attorney: XYZ, LAW OFFICES,LLP - JOHN SMITH ESQ
Defendant: DOE, JOHN Q
Attorney: None
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Histories (Dates listed in descending order)
03/09/2012 ORDER TO SHOW CAUSE HEARING SIGNED AND FILED BY DONALD M.
WILSON TO SHOW WHY SANCTIONS SHOULD NOT BE IMPOSED FOR
FAILURE TO FILE REQUEST FOR ENTRY OF DEFAULT JUDGMENT
PURSUANT TO CRC 3.740(F). MATTER CONTINUED FOR HEARING
ON 09/28/12 AT 08:30A M., IN DEPT. WED . CERTIFICATE
OF MAILING FILED, GIVEN TO RESPECTIVE PARTIES/ COUNSEL.
12/23/2011 REQUEST FOR ENTRY OF DEFAULT RECEIVED AS TO (DOE, JOHN Q) .
12/23/2011 REQUEST FILED AND DEFAULT ENTERED OF (DOE, JOHN Q) .
DECLARATION UNDER 585.5 CCP, DECLARATION PURSUANT TO 587
CCP, MEMO OF COSTS, AND DECLARATION OF NON-MILITARY STATUS
FILED.
12/14/2011 REJECT SHEET SENT TO (CITIBANK), N.A. FOR REJECTION OF
REQUEST FOR DEFAULT: ADDRESS LISTED IN DECLARATION OF
MAILING (SECTION 6) MUST CONFORM TO ADDRESS WHERE
DEFENDANT WAS SERVED (PROOF OF SERVICE). SUBMITTED ON
11/29/11
11/29/2011 REQUEST FOR ENTRY OF DEFAULT RECEIVED AS TO (DOE, JOHN Q) .
10/25/2011 PROOF OF SERVICE RE: SUMMONS; COMPLAINT; ADR PACKAGE;
CIVIL CASE COVER SHEET; ADDENDUM; NOTICE OF CASE
MANAGEMENT; CASE ASSIGNMENT FILED. SERVED AS TO (DOE, JOHN Q) BY PERSONAL SERVICE ON 10/21/11 AT 11:05AM .
COSTS OF $ 69.50
10/12/2011 SERVICE RE: SUMMONS; COMPLAINT; ADR PACKAGE; CIVIL CASE
COVER SHEET; ADDENDUM; NOTICE OF CASE MANAGEMENT; CASE
ASSIGNMENT RETURNED NOT FOUND/NO SERVICE AS TO (DOE, JOHN Q) FILED. COSTS OF $ 69.50 .
10/04/2011 COLLECTIONS CASE COMPLAINT FILED PURSUANT TO CRC 3.740. RN
SM485132039.
10/04/2011 SUMMONS ISSUED.
10/04/2011 SUMMONS FILED.
10/04/2011 NOTICE OF CASE ASSIGNMENT ON FILE. CASE IS ASSIGNED TO
DEPT. WED OF HONORABLE DONALD M. WILSON.
10/04/2011 ORDER TO SHOW CAUSE HEARING/CASE MANAGEMENT REVIEW SIGNED
AND FILED BY DONALD M. WILSON TO SHOW WHY SANCTIONS
SHOULD NOT BE IMPOSED FOR FAILURE TO FILE PROOF OF
SERVICE PURSUANT TO CRC 3.740(E). MATTER SET FOR HEARING
ON 04/02/12 AT 08:30A M., IN DEPT. WED . CERTIFICATE
OF MAILING FILED.
My question now is, what can I expect to happen next?

