Creditor Claims I broke temp 3 month agreement
I confessed judgment on a medical bill I owed. Sit down with the creditor to discuss payments. I told them I could only afford $25 per month, but if I could pay more later on, I would do so. My fiance is a wittness to my exact statment. There was no contract, it was verbal. Since that day I have been paying twice that amount; $50 per month instead of $25. Never missed a payment once since Dec 2010. Here it is late october and I get a wage garnishment order. I request a hearing to fight this because I have not faulted the agreement, and have actually been paying twice the amount agreed upon! The creditors attorney replyed back pretty much calling me a lier saying "debtor has not been paying twice the agreement amount because there is no agreement. He broke that when the temp agreement expired back in March" Suposably according to him it was only temperary!!?? No I never agreed to only a temp agreement. I said if I could afford to pay more than $25 per month, I would and have been ever since the agreement was made & have witness to that statement. If it was only temperary then why havent they called me and notified me? Got a late notice back in August because money order got delayed in the mail then recieved a week later. If the agreement suposably expired, how can a payment be past due? I requested a hearing to dispute it, because I honestly cant afford to have 25% of my check garnished. Am I just screwed?