[Trish]

Originally Posted by thenewbeetrader

My question involves judgment, settlement, account sold and options related to a case in the State of: Michigan.

I currently live in Arizona, since last 5 years. I have had a Judgment in Michigan for a credit card (was never served the docs). I then went ahead and settled the account with the bank for 4 payments about 3 years ago. I have since lost the documentation of payments due to the move.

How did you pay? Unless you paid cash, there has to be some way to get proof of payments.

The bank has apparently sold the account to another Debt collector, as they popped in my credit report last month. Upon questioning the bank on the account and the sale to Debt Collector, their lawyer came back and mentioned that the bank had only received 3 payments and because they never received the 4th payment, they sold it.

The judgment balance was transferred to another CA?? I'm not sure that's legal. I have never heard of this happening.

I do have the documents received from the credit card bank's lawyer for the settlement and receipt of the payments.

Ok, this statement confuses me because above you said you don't have proof.....are we still talking about the same debt here?

I need to resolve this issue and looking at possible options?
1) Can I send the final payment to the bank, they mention not receiving, and force them with settlement?
2) How do I resolve the Judgment issue as the bank no longer would entertain this account due to sales of the account? (the judgment was supposed to be settled upon the payments)
Any other options to settle this?

Please clarify and answer the above questions.....then I may be able to offer you better advice.