It has been 7 years and i was wondering if creditors who had writs and judgments against me still have the right to garnish my wages?

<span class="ecx" style="font-family: Georgia, 'Bitstream Charter', serif;"><span class="ecx">Hi! I did &nbsp;a search in hopes of finding answers that are particular to my case with no luck. However, I was directed to your page and decided to contact you in hopes that you could answer my questions.&nbsp;</span></span><span class="ecx" style="font-family: Georgia, 'Bitstream Charter', serif;"><span class="ecx"><br /></span></span><span class="ecx" style="font-family: Georgia, 'Bitstream Charter', serif;"><span class="ecx">Currently, I live in Maine, since Feb. 2008. I did live in Michigan though, and that is where my creditors are. I have two main creditors that I am concerned about who have sued me and both debts are about $4,000 each. One was for a car repossession from Ford Motor Credit and the other was from an apartment complex who refused to work with me on a couple late rent payments and had instead evicted me and sued me. I did not get to make it to court as I was a struggling single mother who was dealing with a bunch of drama at home and on top of that, I had lost my job, my place to live and then my vehicle. As per my credit report, it appears that debt from the apartment complex has fallen off of my credit report, but I am worried that once I start working again, they may still have the right to garnish my wages. I haven't worked in a few years because I have been a full-time student through a state program here in Maine. I am afraid to look for a job at this point as I worry about these creditors garnishing my wages, since they both obtained a judgment against me to garnish my wages. I simply can't afford to pay these debts while trying to take care of myself and my kids. So, I was wondering if you could answer the following: &nbsp;Did these writs expire? Would they have to obtain new writs? Will they still go after me 7 years later, even after these debts have fallen off my credit report? I have not paid any money on the debts, if that helps. Should I file for bankruptcy even though it has been 7 years (I hope not, because I don't want another 10 years of bad credit and hope to own a home in the near future)? Also, will I have to go to court there in Michigan even though I no longer live there? Any information you have would be greatly appreciated. Thank you so much!</span></span><span class="ecx" style="font-family: Georgia, 'Bitstream Charter', serif;"><span class="ecx"><br /></span></span><span style="font-family: Georgia, 'Bitstream Charter', serif;"></span>


Asked almost 8 years ago in Michigan
Categories: Contracts  Business Law  General Legal Questions  Landlord-Tenant

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Matt Vititoe

Answer by Matt Vititoe

VerifiedMichigan lawyer


The creditors have the right to collect on the debt as long as the judgment is still valid. Writs can be renewed.
I often contact my clients' creditors to negotiate settlements for much less than my clients owe and get the judgments dismissed when the reduced debts are paid in full. The alternative is Ch. 7 Bankruptcy, if you qualify.

Posted almost 8 years ago

Matt Vititoe Law Office of Matt Vititoe 115 East Front Street Monroe, Michigan 48161 Phone (734) 693-9950 Fax (734) 240-3825 mvititoe@gmail.com

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