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Kentucky Collections Questions & Answers

1 Answer | Asked in Banking, Civil Litigation and Collections for Kentucky on

Q: How do I find out if a judgement has been passed against me?

Got sued by Zwicker & Assoc via Discover Bank Credit Card in January 2017. Tried to work things out between now and then and I just could never afford the payments. Now when I go to search FOR the case by my case # on the website it's like it never existed. What does this mean? Did they give up? I... Read more »

Timothy Denison answered on Jan 27, 2019

Go to the courthouse, have them pull the file and you will be able to see if they have s judgment and is so, what collection efforts are underway against you. You may want to hire a lawyer to help you try and settle the case.

3 Answers | Asked in Bankruptcy, Civil Rights and Collections for Kentucky on

Q: Got a judgement in the mail saying ordered and adjudged what does that mean?

Does this mean garnishment?

Timothy Denison answered on Oct 9, 2018

Ordered and adjudged means “ordered.” It does not mean garnishment directly but it could give rise to a garnishment.

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1 Answer | Asked in Civil Litigation and Collections for Kentucky on

Q: How can I utilize my post judgement interrogatory from a small claims court defendant?

I won a small claims court case in KY but the defendant did not pay the court-ordered restitution. I eventually filed a post judgement interrogatory form to the defendant. After threatening a contempt action for not returning the court document, the defendant showed up to court, quickly filled... Read more »

Timothy Denison answered on Jun 23, 2018

You can go to the clerk of court and have a garnishment or execution issued for property of the defendant which may achieve the goals you’re seeking. Because there are certain property exemptions available to Defendant, you may want to contact a local lawyer to help you with this step.

1 Answer | Asked in Criminal Law, Collections and White Collar Crime for Kentucky on

Q: In ky, what is the statute of limitations on filing a misdemeanor warrant for theft by deception including cold checks?

Have 3 cold checks that were written in 2008. The warrant for them was not signed until Sept 2017. Is that not past the statute of limitations on time to file warrant??

Timothy Denison answered on Apr 17, 2018

The statute of limitations on filing a misdemeanor charge (s) is one year.

1 Answer | Asked in Bankruptcy, Consumer Law, Contracts and Collections for Kentucky on

Q: Bankruptcy or credit card question. Can I be arrested for not paying creditors?

Disabled senior citizen can't pay off credit card debt and need to file bankruptcy. I was told because I receive SSI, have no savings or checking account, own no property, no life insurance, on fixed income there would be no need to file bankruptcy. I closed accounts and destroyed credit cards.... Read more »

David Earl Phillips answered on Feb 19, 2018

There is no debtor's prison. If there was, over 50% of Americans would be in jail. You may very well be judgment proof and not need a bankruptcy filing. It would still not hurt to talk with a bankruptcy near you to get an opinion and to see all of your options. Most lawyers offer a free... Read more »

2 Answers | Asked in Bankruptcy, Car Accidents, Collections and Small Claims for Kentucky on

Q: How can I stop a wage attachment

David Earl Phillips answered on Dec 24, 2017

See a Bankruptcy lawyer near you. Stopping a wage attachment is something that comes up in a lot of bankruptcy cases and can be dealt with very quickly. A bankruptcy lawyer can look over your entire situation and see if bankruptcy would be a good option. There may be other ways to deal with this... Read more »

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1 Answer | Asked in Bankruptcy, Collections and Family Law for Kentucky on

Q: If husband files bankruptcy am I, his wife, liable for his medical debts

Nick Curtis Thompson answered on Nov 9, 2016

No not unless you signed to be liable for them.

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