A person can buy themselves a lot of time if they have a professional hardship letter and speak to all collection employees in a professional manner. Depending upon how much they owe and how many expenses they have, they can set up payment arrangements for $10 to $100 a month. This will give them time to get their finances in order.

If they could not avoid a lawsuit, they can go to court properly groomed with their one to two page hardship letter. They should have a copy prepared for the judge. If people act in a professional manner, a judge may set up a favorable monthly payment arrangement for them. People that are able to pay off a debt before a court date, may be able to have judgments not entered on their credit reports.

To sum it up, people need to do whatever they can to avoid a judgment. Let’s say a person is only being sued for $250. She may conclude that because she does not have money to pay on it each month, it’s so small so she will take care of it down the road. Here is the error for this type of thinking.

If $150 is added for court cost, she now owes $400 plus monthly interest on the judgment. If she doesn’t pay the bill in a couple of years, she may owe $500 on the bill. If she has other judgments that have not been paid in two or three years, although she may not be a deadbeat, she looks the part. If you are dealing with a judgment and need help you can call 313-744-5977 or e-mail Charles at gethelpnow@tiredofbillcollectors.com.