Q: I just received a letter with a Final Judgemnet
Ford Motor Credit is sueing me because i return a vehicle to them
A: Well, a Final Judgment is the final document of a long list such as possibly a letter of demand, a complaint, a motion for default and motion for default final judgment at the very least. You cannot ignore the possible treat of a lawsuit, nor failing to update the creditor of your whereabouts.
A:
As Mr. Boyer stated, the Final Judgment is the last of several documents filed in your case. It sounds like you returned a car to to Ford that you could no longer afford, and now the company is seeking the balance of the contract from you.
If you were never provided with notice of this lawsuit, i.e. you were never served process, you may be able to get the judgment set aside. I
f you were served process but did not respond to the lawsuit, depending upon your personal and financial situations, you may qualify for a garnishment exemption, as Ford will surely attempt to garnish your wages or bank account to satisfy its judgment against you.
If you do not qualify for a garnishment exemption and have the ability to pay, you may want to speak with someone at either Ford or Ford's attorney's office about a settlement. Most companies will take something over nothing.
And if none of these options work for you, the judgment is substantial, and you have other debts you are struggling to pay, you may want to consider a bankruptcy.
I hope this has been helpful to you, and I wish you the best.
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