GUGLIELMO & ASSOCIATES buys junk debt LVNV Funding and Arrow Financial Services
Filed Under: Collections
Filed Under: Collections
Jun 16 · by Next Level Credit
Guglielmo & Associates name has been popping up lately across our clients lives. Guglielmo & Associates is a collection “attorney” who buys debt from other collection agencies. This collection agency is in Arizona and is known for lawsuits. Look up the Arizona court dockets. Their website states that they are a collection firm and have been for 20 years. However, Guglielmo must be low in slime because he is not even listed on Bud Hibbs website in the top 100. Guglielmo sends validation letters to the consumer from another collection agency. In other words, when the consumer asks for VOD, the “alleged” validation is from someone like Arrow Financial Services and LVNV Funding. This is NOT validation. NOT.
This slime is a steamroller because they will serve a summons quickly. If you live in Arizona and receive letters from them, be aggressive and take action against them as soon as possible. They could target you with more than one “alleged” account. Modern technology makes this possible.
See this situation below – very real (original with typos) – happens all the time with many collection agencies:
“I verbally settled with this firm (Guglielmo & Associates) for a cc debt and the agreement was a down payment and a sum for 12 months, i directly paying them automatically on the same day every month for 9 months and the firm states that they were late and have sent me to justice court for a judgement, and thretning to garnish wages. the ammout of the debt has doubled and i have payed over 75% of my original debt and 1.25 times the debt from the cc. they are posting to my account late. if u send them money make sure it is certified mail. cause they will hold the check to make it late. and then thats when they suck the life out of u!!!!!!”
Why didn’t this consumer know how to send a VOD letter and fight back and beat this? ! Not enough consumers know. We read every day about consumers searching for help to PAY these collection agencies. STOP PAYING!
NEXT LEVEL CREDIT
“Taking Your Credit to the Next Level”
52 Responses to “GUGLIELMO & ASSOCIATES buys junk debt LVNV Funding and Arrow Financial Services”
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I was served a summons last Saturday & I am feeling pretty humiliated. I have never been “served” before…
My questions are:
1)What is a VOD letter?
2)What should my first few steps with this be?
Charles,
Thank you for your comment.
Please do not feel humiliated about being served. Take action immediately.
A VOD letter is a validation of debt letter that is sent to the collection agency. You will not be doing that at this time.
Your next step is to answer the summons to the court immediately in the time specified. The time specified is different in each state of the US.
In your answer you will include the fact that Guglielmo did not validate the alleged debt. We assume you are in Arizona. Also, how old is this account?
Contact our office if you have further questions. You can fight this.
~Next Level Credit~
I was making payments on a debt to Fulton, Friedman and Gullace when I received a letter from Guglielmo & Associates stating I was late two payments. I was not late and didn’t know who there were. I was smart enough to make all my payments with money orders certified return receipt. After calling Guglielmo they state I should be making payments to them. I am in the position now to pay off my debt which they state is $10250.45. I just don’t want to be taken. I can I protect myself and make sure this debt is paid off?
Mary,
Thanks for your comment. Fulton, Friedman and Gullace seems to be a collection agency. A very nasty one. They are known to sue consumers. Our first question to you is: why are you paying them? Did they ever validate the alleged account before you started making payments?
We do find it odd that you were paying FFG and yet they sent that “account” to Guglielmo. Guglielmo has a reputation of suing consumers.
Please understand that it does NOT help your credit one bit to pay a collection agency. You write that you can pay off your debt. Why would you pay a collection agency? Also unsuspecting consumers have learned that once you start paying a collection agency, the agency has you in their grip and keeps on sucking money from the consumer well beyond what is allegedly due on the balance (most cases). Even IF the collection agency can validate the account, that is to be questioned as well.
Stop talking to Gulgielmo. Everything needs to be in writing. You need to ask for VOD.
Contact us for an analysis.
~Next Level Credit~
I received a notice of judgement from them. It’s one legal looking paper but somehow doesn’t seem legal. Attached to it is a letter from them, not a court document, that states to contact them to resolve the debt. It states they will garnish our wages or freeze our bank accounts. When they originally sent the letter about filing a judgement, it didn’t say what time to go to court. I called & they said it was my responibility, not theirs. The court had no record of it. I’m afraid of garnishment and/or freezing our accounts. Mad, scared, don’t know what to do next.
Vonne,
Thanks for your comment. If the court does not have a record of any filing of a complaint against you, then it is not a legal judgment. This sounds as if it was only a notice which can be very intimidating. In other words, a collection letter.
Guglielmo cannot garnish anything without a judgment. You will need to send them a VOD letter.
Contact our office for an analysis and your next step.
~Next Level Credit~
I received a call from this company about a debt that was ruled fraudulent by the credit card company, cancelled and closed. I have a letter from the credit card company stating so. My credit report shows that the credit card company last reported in 2008 showing there is still a balance. I called the credit card company and they are working to resolve this. Once it is resolved on my credit report, I want to freeze my report. If I do so, will that prevent this collections company from being able to put false debts on it? Also if they continue to pursue me for this debt, including taking me to court, do I have to respond? If I go to court do I have to do anything besides bring the letter from the credit card company saying the debt is zero with me? It seems so cut and dry, but I didn’t realize sleezebags like this were out there. I just want to prevent this company from uprooting my life.
Renee,
Thanks for your comment. We are not sure if you should freeze your report. This will not prevent any collection agency from attempting to collect. Ask the CRAs about the benefits of freezong your report.
Guglielmo has to do more than call you. They have to send a letter to you. They will. Then you would ask for VOD. Since the credit card is fraudulent, it is cut and dry. There is always a chance that these people would sue regardless. Not to scare you but they are known to sue. Yes if you were served a summons, you would need to answer the complaint to the court. We can assist you with that. That is not a dead end. Do not fear something that has not happened.
The letter from the credit card company would be part of your answer filed to the court. It would be great if we could go to court and show the letter, however, there is court procedure.
Go to our home page http://nextlevelunlimited.net and fill in the form for an analysis.
~Next Level Credit~
Hi.
Guglielmo & Accociates have been garnishing my wages for about 2 months. When I received the letters from them I didn’t know what to do and my husband said not to worry about it because they CAN’T garnish my wages… Well here I am a few months later and they’re taking 25% of my Net Pay! I can’t survive on this! I know I should have done something a long time ago but I was under the false impression that they couldn’t do this to me. I tried negotiating with them after the fact and they said that I don’t qualify to have the percentage lowered. Isn’t there anything I can do? They are heartless evil people… they told me to pay them in full and they would stop the garnishment!?!?! If I could afford that I wouldn’t be worried about the 25% they’re taking right?!
Hello,
I received a summons from Guglielmo & Associates in November of 2009. I went to the courthouse and filed my answer. I admitted that I was in default of payment(in default with the original creditor, not Guglielmo). The court said I would get a letter in the mail with a hearing date. I never got that letter. Instead, I received a “Motion for Judgement on the Pleadings No Hearing Requested” and a “Judgment”. The judgment was not dated or signed, and it was not notarized. So, I sent Guglielmo a letter stating that I had received this and would like to come to a mutual agreement on a settlement. I sent the letter Certified with a Return Receipt on February 5th, 2010. I did not receive a response until just today, when I received a letter with the heading “Notice and Demand RE: Garnishment” accompanied by the same judgment as before BUT this time it was signed, notarized and dated April 7th, 2010. Interest was also added to the original amount. My question is, what is my next step when dealing with this issue? I am prepared to retain legal counsel if need be.
Jenn,
Thanks for your comment. You may have received a judgment since you admitted non payment on the original account. It depends how you answered to the court. You can inquire to the clerk and ask what happened to the hearing.
It seems as if the CA is getting ready to garnish your bank account/wages if they have your information.
This CA is a problem in your state. They are the worst in Arizona. Please report this to the AG if your right to a hearing was revoked. You should talk to legal counsel specializing in collection debt lawsuite defense and see if there is anything you can do.
~Next Level Credit~
this collection agency has just served a summons to me via my son who was at my home when I was not!! they didn’t ask for his signature or who he was, just asked if they could give him this paperwork to leave for me. Is this even legal? I, myself have not reaaly been served have I? This is for some two year old credit card debt that was for a business that I released to the bank along with ALL my income-producing properties. I have NO income except for my retired ( had to to retire due to health issues) husband’s retirement account ($1700.00 a month and about to be lost due to the economy!!). Is there any help for me? We do have two older paid off vehicles and we have equity in our home. What should I do to protect us?
Fulton Friedman and Gullace had sent me a collection letter. What are the first procedures to handle this? I don’t even know if this is a scam letter or not. and I don’t even remember having a Citibank Credit Card. So how can I find out? I want to see invoice or some kind of proof of this debt. It has been non stop of letters from ATT bills to other things. I paid them off but now I am just scared that I am being scammed. What should I do? I call the office but get voice mail, and so hang up because I’m scared its a scam of some sort. (Just Paranoid now)
Donna,
Thanks for your comment. It is corrupt. Yes you can call it a scam. It looks legal but that does not mean that it is legal. We suggest to check your credit report for citibank. FFG is a collection agency that is attempting to collect. You will need to take action against this. Stop talking to ANY collection agency.
Since you are dealing with multiple accounts, fill out our contact form so that we can give you a quick analysis ASAP and what you need to do. This is time sensitive.
~Next Level Credit~
A summons from my local court was dropped 7-29-10 at my house while i was at work, the papers are stamped 4-19 on 1 paper & 5-10 on the other paper. It is labeled Atlantic Credit vs me & Jane Doe, also says Guglielmo & Assoc. (original creditor HSBC) who have tried to call (don’t leave messages) and sent a couple letters that i ignored. Not sure what my next step is, it says i have 20 days to respond to the court but the dates on the letter are 3+ months old. I checked the case # online and it was entered into the system 4-19-10 with filing fee paid 5-10-10. It also says my last payment was 6/30/07, i have had credit with HSBC but don’t know if last payment date or amount are accurate and i’m not sure how to verify.
Matty,
Thanks for your comment. You are being sued and the plaintiff is a junk debt buyer. You can fight this. You will need to file an Answer and Affirmative Defenses quickly. Call the court clerk to check on the dates. You have 20 days to respond to the court. You will question the account in your Answer.
Contact our office if you have further questions.
~Next Level Credit~
Hi i recieved a letter from Fulton and i plan on getting them to pay me money. I live in tx and they dnt seem to know the laws very gd here. They cant garnish a dam thing. I have an Attorney that targets them like yall do, all i do is record them saying they are going to garnish or take my pay…which is a big no no in Tx. I am sending them a vod letter to see what they send back. Hopefully they will do what i think and money in my pocket
hello, I received a phone call from a law firm/collection agency stating that a judgement has been ordered against me to settle a credit card debt. My question is, I was never served a summons on this matter and I never had a chance to appear in court, can I fight this judgement because I did not know I was being sued?
Howard,
Thanks for your comment. You have not stated enough information in order for us to answer your question. You may be able to vacate. However, we do not have enough info from you to assess – when, who, where?
If you would like advice and direction on what to do next, please go to our ABOUT US page and sign in for counseling on Guglielmo (or the law firm you are dealing with).
~Next Level Credit~
Debt collection agency is offering me settlement of 80% of debt to resolve, however they will still pursue judgment but not collect other 20%. However after reading all the negative stuff on this board about this agency, I wish to pay this in full..
Can I call back Credit Card company and repay entire debt?
I was served papers from Guglielmo & associates This eveing and Now Im wondering what to do next? They give me time lines to file with the courts and to file with them. what do I do? and how soon can they garnish my wages and also I owe around 2600.00 to discover/guglielmo will they setle for 1000.00 or even 1500.00?
Randy,
Thanks for your comment. In answer to your question – no, the original creditor – did you call them – will not accept payment.
You have not stated enough information here about your situation. This does not make sense. You pay? They sue? Not for 20%?
DO NOT PAY THIS “FIRM” – FIGHT IT. CHALLENGE IT. Did you not read how corrupt this is??? Why would you pay???
If you need to know how to challenge them and what to do with Guglielmo then you need to sign in for a one hour session on our ABOUT US page ASAP.
Stop talking to GUGLIELMO!!!
~Next Level Credit~
Doug,
Thanks for your comment. You need to file your ANSWER AND AFFIRMATIVE DEFENSES as soon as possible. DO NOT SETTLE!
Go to our site and click on the HOW TO ANSWER SUMMONS. That will work for you if you cannot afford an attorney.
DO NOT TALK TO GUGLIEMO OR SETTLE! FIGHT IT!
If you need more advice against Guglielmo and what to do and how to file, you will have to set up an hour session with us – see our ABOUT US page.
~Next Level Credit~
I rec’d a summons for credit card debt amounting in 9k. I need to respond by the end of the week. How do I respond? I had not previously requested a VOD not have I spoke with anyone with Guglielmo. I have ignored all calls hoping it would all “just go away”. Now I am in panic mood. Please help me. How do I respond to the summons so I can have it filed my weeks end.
Many Thanks.
Glen,
Thanks for your comment.
You have to file and ANSWER AND AFFIRMATIVE DEFENSES. This takes a lot of time to do depending on how long your summons. Contact our office for a 15 min analysis if you have further questions.
Do not talk to Guglielmo. Just work with the court process and you should beat it.
~Next Level Credit~
Is there anyone out there that has ever reached a reasonable debt settlement with Guglielmo & Associates? Please let me know.
Kevin,
Thanks for your comment. Your question is VERY vague. But we will answer NO.
If you need more advice regarding Guglielmo and what you need to do based on your question here, go to our home page and sign in for 15 min free analysis.
We am VERY familiar with them and their slimy tactics.
~Next Level Credit~
I recv’d a call today on my home phone from a Meagan with Guglielmo wanting to settle my debt by payment arrangements on my Target account ( she did not state this but it has been purchased by Portfolio Recovery Assoc. on 8/2010) I stated that I was unemployed; therefore, I am unable to make any type of payment arrangements. Meagan then asked “how are you paying your bills then?” I replied with “that is non of your business, please stop calling me, send all correspondence by mail?” Meagan said “you will have to state that in writing”. I hung up.
In 2009 I received a judgment through Mann Bracken acting on behalf of Midland Funding to collect a debt. In April of that year, I made payment arrangements with Mann Bracken, which I have receipts for. The representative that set up the payments for me told me that I did not have to show up for court (which it was in June of that same year) as long as I came up with a payment plan with them. However, I ended up getting a letter from the court that the judgment was entered in July. I made payments to Mann Bracken until they went out of business without sending me any notification at all of what would happen to the debt and the arrangements. I did some research online and almost every article/posting stated to wait for the court, as many cases would be dropped. Then in January 2011 I received a letter from another law office about a class Action against Midland Funding for collecting without a license in MD, among other things. A couple of weeks later, I received a letter from Fulton, Friedman and Gullace acting of behalf of Midland to collect the same debt. Since there was a Class Action against Midland, I tried to get counseling before dealing with them and make sure it wasn’t a scam. However, Fulton, Friedman and Gullace just entered a writ of garnishment for my wages. I called them and they are not willing to work any form of payment plan or settlement with me. I just feel this whole thing was handled wrong by the collections, as I never voluntarily failed to continue my original payment plan, and all of a sudden I am facing a garnishment without any chance of settlement. Do you have any suggestions or what actions I could take? Thank you very much.
Mimi
Thanks for your comment. This is happening a lot with MB judgments.
However I suggest getting an atty that SPECIALIZES in debt collection defense in YOUR STATE and see what they can do.
~Next Level Credit~
Gugliamo & Associates served me with papers last year on a hospital account. I spoke with them and settled the account. I looked at the papers as well as asked if this was all I owed and if this amount would pay me UP IN FULL. They stated YES. Then a little over a week ago I got a letter from my employer that my wages were being garnished by Gugliamo & Associates. I immediately called them and they stated it was for a 2nd account. I told them I did not receive any phone calls or paper work for this 2nd account. They told me that I only got served the one time, and that they had had both accounts all along. That they had sent me the paper work of BOTH accounts at one time. I told them that was not the case, that I still had the paperwork to prove it. At that point they just said well you owe this. I called the hospital and the amount was owed. So I called them back to settle, and was told the garnishment was pending. We sent them the money. A week later I got my paycheck and the garnishment had already gone into effect. I called Gugliamo, and all they could say about the matter was “Who did you talk to?” and “Well, when we get the money we will return it to your employer”. I called my employer, and they said that they couldn’t release it, even after they recieve it until the next pay period. So Gugliamo put me in GREAT financial difficulties!!!!
Jan,
Thanks for your comment. The problem started when you settled out of court because Guglielmo is corrupt.
Sounds like they got a consent judgment on you without you realizing it and they should not have since you settled it. But that is a trick. Therefore GA has garnished you.
That 2nd account they state IS TOTALLY FALSE – a consumer cannot be sued for 2 accounts at one time.
You should talk to a lawyer and YOU SHOULD NOT KEEP PAYING GUGLIELMO. They will not return any monies to you ever.
SINCE YOU PAID THEM AND SETTLED IT. THERE SHOULD NOT BE A GARNISHMENT SINCE YOU SETTLED IT.
~Next Level Credit~
Wondering if someone can provide a little direction. Sent Guglielmo & Associates a VOD letter & notice of fraud letter via certified mail with a return receipt. G&A sent me a statement report detailing my final balance with a notation at the bottom by Discover for “INTERNAL CHARGE OFF”. Last week I received a summons from G&A, however Discover Bank is listed as the Plaintiff. I know I need to file an “Answer & Affirmative Defenses”, but here are my two questions:
1) How can Discover Bank be the Plaintiff if the Debt was charged off? Why wouldn’t G&A list themselves as the Plaintiff? Isn’t this misrepresentation?
2) Nobody has ever shown proof of a contract linking myself to Discover or G&A. Wouldn’t I use this as one of my defenses as well as the fact that G&A didn’t pay $2636.00 for my debt?
Any input would be greatly appreciated.
Sui juris,
Thanks for your comment.
You did everything correct. However GA ignores most letters and sues regardless. You have 20 days in AZ to file and Answer and ADs.
Yes it is fraud on the face of the pleading. Discover is not suing.
Go to our site and use this:
http://nextlevelunlimited.net/answer-summons.php
~Next Level Credit~
I have been making payments to FFG for a year now for an old debt from providian. This month, I had a charge on aug. 26th that i did not authorize. I initially agreed to make my payments on 20th of each month and only call on that day each month. When I called regarding the second transaction, the man told me I called on 8/6 and authorized this payment and all he could do was send me complaint papers and papers to set up a refund. I’m now short on rent. How does a situation like that get handled? Also, if I get info from the credit bureaus regarding the amount I actually owe, can I offer that as a settlement and honestly get the debt closed?
Willa,
Thanks for your comment.First, you should never pay FFG.
Second, you should close that account and never let them have access to your bank.
Third, since you have been paying them for a year…..that is a big problem for you. And the credit bureau will not help you.
Sign in for an analysis on our home page today for advice about what to do today!
~Next Level Credit~
GA won a judgement against me in August of 2010. Once I received the judgement notice (not sure of the proper terminology), I went to the court to request that having my wages garnished would prove to be a financial problem (again, I forget exactly what it was because this was over a year ago). The clerk told me that I couldn’t do anything until they actually started garnishing my wages.
I just checked my bank accounts yesterday and found that there was a withdrawal listed as “WRIT OF GARNISHMENT AND SUMMONS (NON-EARNINGS).” Obviously, having my bank accounts depleted is not a good thing for my situation.
Ultimately, it’s my stupidity in not being diligent and following up. What are my options at this point? I’m looking into filing for bankruptcy and am resigning myself to living a cash-only existence for a while.
The wonderfully ironic thing is that this judgement has screwed up my chances in getting a 2nd job so that I can pay all of these bills.
I received a couple of letters from Guglielmo & Associates, the last one in August 2011 offering me a settlement “opportunity” on an old credit card debt. The current owner is LVNV Funding LLC. This is a credit card that I had for 15-20 years and paid on faithfully until mid 2009 when my financial circumstances took a turn for the worse and I was unable to pay on this as well as several other credit cards. I have been sued civilly for credit card debt previously and was able to settle and am currently making significantly large payments every month on the last one settled. I’m trying to get my life back on track financially, but still have a little ways to go. Because I am already making a significantly large settlement payment on another old credit card settlement and am in the process of losing my house, I did not contact G&A to take advantage of the “opportunity.” There is no room for another payment at this time. I live in the State of Arizona and I check the online court records occasionally, and yesterday I noticed that there is a new lawsuit that has been filed against me – it was filed on 9/21/11. I have NOT been served on this lawsuit to date. I am not even sure what I am being sued for – the only information that I can see online is that the Plaintiff is LVNV Funding and the plaintiff’s attorney’s name. When I pulled out the letters from G&A, I saw the same attorney’s name on the letter and that the current owner of the debt was LVNV Funding and am assuming that this is the debt in the lawsuit. Initially, I thought that maybe I would try to contact G&A and try to negotiate a settlement – hopefully for a fraction of the debt and a payment plan to start in a month or two (after I finish paying off the current settlement) but before I did that, I decided to do a little research on the firm and I am definitely glad that I did. Thanks to this website (and a few others), I realize that this firm is bad news and I definitely don’t want to try to negotiate a settlement with them only for them to pull some kind of stunt like I have read they have done to other people – this is a significant debt, the original creditor added a significant amount of late fees, overlimit fees and interest prior to closing the account and the current debt is now close to $20,000, and that doesn’t include any legal fees or anything that G&A will add on top of that. I am afraid to make a settlement arrangement for even a fraction of that amount, pay off a significant portion of it, and then have G&A say that I’m late and demand full payment or worse yet, get a judgment against me for the full amount. I can’t afford for that to happen. In addition, I am vehemently opposed to paying a debt to someone I don’t owe! I don’t dispute that I owed the original creditor…but I don’t owe LVNV Funding anything!! However, I am not well versed in my rights in the legal system with regard to this kind of situation, so I am somewhat intimidated and unsure. So, I have a couple of questions on how to proceed. First, I have not yet been served on this suit – isn’t there a regulation on how long that they have to serve me? I wouldn’t know about this lawsuit if I hadn’t looked online, and I don’t even know if I am looking at the correct old debt (I have a couple of old debts that I have not settled). I have only settled the previous suits to keep from having judgments on my credit – my credit score has been pretty much trashed by the events over the past couple of years, and although it isn’t much, I am trying to at least keep from having judgments on my credit report. I’m concerned that if I don’t get served and/or I don’t do anything, then I will have a default judgment on my record. The 30 days that they gave me in the first letter that they sent me to dispute the debt has long since passed. What should I do at this point?? Please help!!! Thank you in advance for any information you can give me on how to proceed.
KC,
Thanks for your comment. As far as we know, you are not able to stop a garnishment. Even though the entire suit and judgment are illegal with GA, it looks legal on paper and GA can garnish.
The money is taken from your bank without notice.
Options: The BK would get rid of the judgment. It is hard to live with a judgment if you have a job due to garnishment. And it is hard to live with a judgment.
Yes you probably could have fought the case and won in court without a lawyer.
DO NOT pay any collection agencies – learn your rights.
~Next Level Credit~
Valerie,
Thanks for your comment. You are smart to look online and figure out not to pay GA for this account.
Since you know you are about to be served you will be prepared this time and win. You have been receiving letters and did not respond to the letters??? It is amazing to me that GA settled with you and did not give you a judgment.
Now with your future suit – 20K is A LOT of money.
Use this Defense Guide WHEN you are served.
http://nextlevelunlimited.net/answer-summons.php
LVNV Funding is a junk debt buyer so that will be easier to fight rather than the credit card company which has nothing to do with it anyway. LVNV Funding really does not have anything to do with GA as well. The entire lawsuit is fraud.
~Next Level Credit~
Hello,
My husband received a request for payment from Guglielmo and Associates back in June 2010. By July, we had received notice that we would need to set up a payment plan to resolve the balance owed from a $1,000.00 credit card debt. We did call, set up a payment arrangement for what they said was now a $2,000.00 balance. We began to make payments to the company in October 2010. In this time frame we were also served court papers. When we inquired about the court papers, we were told that it was no big deal, and since we had a payment plan in place we didn’t need to appear in court. Guglielmo and Associates continued to accept and cash our checks for payments throughout the duration. Sometime after the court date we received another statement requesting ADDITIONAL money on top of what we had already arranged to pay, due to their “attorney” fees since we didn’t show in court. We paid of the settled amount and payment plan. Today we received a letter in the mail stating we still owe them $1,420.00 for the principal amount. This is all over a $1,000.00 debt! Unbelievable. They want us to contact them and set up yet another payment plan. Call me crazy, but I am very hesitant to set up any payments with them. Do we have any rights here??
Crystal
Thanks for your comment. Yes you have rights. Do you have a judgment? You might.
Sign in to our home page for analysis MON-FRI 9-5 EST
~Next Level Credit~
I received a notice today from my employer that GA is garnishing my wages. They’re taking 25% before my health benefits! I’m going to be homeless by them doing this. I called and they said to put together a “hardship letter” with my last paycheck stub and it’ll be “reviewed” by an attorney. I wrote the letter but haven’t sent anything yet. I also have in my packet from my job that I can file an appeal.
Please help me. I’m single and can’t live on the 25% garnishment. Before this, I called them several times to make arrangements for monthly payments and they kept telling me it wasn’t enough. I only owe them $2600. Will they work with me or am I looking at a second job to keep from being evicted?
Heather,
Thanks for your comment. You have a judgment which is the reason you are garnished with your employer.
Were you served a summons and knew about this lawsuit? If so, then you have a default judgment. You can try to settle with them (lump sum 20%) and get EVERYTHING in writing and hope they will comply and have in writing to take OFF the garnishment.
If you were NEVER SERVED the summons, and sign an affidavit stating so, then you can get judgment VACATED – dismissed. You may be able to get the court to have G & A give your money back.
~Next Level Credit~
I was served papers from Guglielmo and Assoc. in April 2009. They stated I was going to be sued for a deliquent debt to Discover cards. I called them and made arrangements to pay the account off in 36 months. Three months after making my monthly payment I recieved a notice of judgement stating they had won my court case due to my failing to appear. This is the same case I was told to ignore since we had established a monthly payment plan.
After paying for about 18 months, I requested a statement from Guglielmo and they sent me paperwork showing high interest being taken and a $1000.00 attorney fees in addition to court filing fees.
Looking at the statement, I dont see how the account is going to be paid off within the 36 months. What can I do to protect myself from over paying and can I get the judgement dismissed?
Was just served yesterday with summons from Gugliemo & Ass. for a discover card, I am planning on filling a answer with the court asap. my question is should I also let them and the court know that I am currently on unemployment ? which I think can not be garnished, also have never been sent a VOC
Gugliermo has sent me a settlement agreement letter that is not signed. Their name is typed at the bottom, that’s it. There is not even a place for me to sign.
Would this hold up in court if they tried to collect the balance? Could they sell the balance to someone else?
Chris
Thanks for your comment. G&A often does this. You pay and still get a judgment.
There is nothing you can do to ensure the amount. Did you get this in writing before paying? If so that will work.
You cannot get the judgment dismissed. After you paid the amount, G&A should mark on your report “satisfied”. It will come off report in 7 years.
~Next Level Credit~
Mark,
Thanks for your comment.
Great you found us in time! Click on link below:
http://nextlevelunlimited.net/answer-summons.php
Get the Defense Guide and file Answer asap. You will beat G&A with this.
Do not contact G&A they do not care if you are not employed.
~Next Level Credit~
Christine,
Thanks for your comment. A settlement letter? Do you have a judgment ? OR this is a typical collection letter???
G&A can type their name.
DO NOT SIGN or talk to them until you talk to us. YOU do not need to pay Guglielmo. Do you live in AZ?
Sign in for a free analysis with me for Monday 9-5 EST.
We will answer your questions. We do not have enough info from you to answer on this posting.
~Next Level Credit~
Hello
I settled with Guglielmo a year ago a $1200.00 debt for $1000. Due to financial hardship I settled for $1000. I paid every month on time $25. I was waiting for my December payment to clear. Today I got a letter stating I defaulted and now owe 1400 plus 8.75 % interest. It’s strange that my mail wasn’t returned. The letter was mailed to me and not stamped from the court. Would you recommend I go to the court and file a response to take to a judge?
Lisa,
Thanks for your comment. If you have proof and everything in writing, you may be able to go back to court. Talk to the clerk.
~Next Level Credit~