I don’t remember having a Judgment entered against me. How do I know this is not a bogus claim against me?

Judgments are public record. Most of the courts in California allow for online access of information pertaining to civil cases. Go to the court’s website, enter the case number referenced and read through the case summary/docket. The court’s website will usually contain the pertinent information you’re seeking i.e. names of all parties involved, judgment date and amount, property address where the eviction occurred, the documents filed in the action and information from the hearings that took place.

If you once lived at the subject property address and never received notice of a lawsuit, this could have been as a result of you abandoning the property or maybe the eviction documents were posted on the door through court order. Either way, you had an opportunity to resolve this debt prior to the commencement of a legal action against you. Obviously, it was not resolved and a Judgment resulted.

If you are a victim of identity theft, immediately notify the local authorities. As a courtesy to you, we will cease on the enforcement of the Judgment until this is clarified.

Why didn‘t you contact me sooner regarding this debt/judgment?

We probably did not take this Judgment on assignment until recently. There are many reasons why Judgment Creditors are unwilling or unable to track down Judgment Debtors ranging from expensive court costs and fees to the mere frustration of dealing with bad tenants. Regardless, it is your obligation to repay a debt you owe.

Is this debt/Judgment still valid after all these years?

In California, a Judgment is good for ten (10) years. We can renew the Judgment for another ten (10) years.

It’s ridiculous that I have to pay the original judgment amount plus interest. Why can’t you just accept the principal?

You are responsible for paying late fees and interest to the bank for loans/credit card charges. This is no different. We are entitled to 10% legal interest per year.

Can I get an attorney to talk to you?

Sure. We recommend that you seek legal advice to understand your rights.

I filed for bankruptcy protection so why do I still have to pay this?

We would have performed a preliminary search on you to verify whether you qualified for bankruptcy protection. If you filed for bankruptcy prior to incurring this debt/Judgment, you may not qualify for bankruptcy protection. If you filed for bankruptcy after incurring this debt/Judgment, you must have listed this Judgment as a Debt and the original Judgment creditor as a creditor in order to qualify this Judgment as discharged through the bankruptcy court.

I already paid for this Judgment. Why are you still contacting me?

We would not have contacted you if you have already resolved this Judgment with the original creditor. If you truly feel that you have already paid and resolved this Judgment, please provide us with proof of such.

I demand to meet with a live person to discuss the resolution of this matter.

For the safety of the professionals working with ERG, it is company policy that we do not allow for in person meetings to discuss any judgment related matters. To avoid conflict and for quality assurance purposes, telephone calls are randomly monitored.

How come I can not walk my payment in to you to expedite the resolution of this matter?

For the safety of the professionals working with ERG, it is company policy that we do not take walk-ins. If you absolutely must drop off a payment to ERG, we have a secure mail drop location suitable for you.

I was just informed by my employer that my wages have been garnished. Can I cooperatively remit payments to you instead of you garnishing my wages?

We can enter into a settlement agreement with you based on an agreed monthly payment which will include the judgment amount, fees and costs and the 10% legal interest it will continue to accrue. You will need to sign the Agreement and send in your first agreed payment before we can release the wage garnishment.

I was just informed by my bank that my account has been levied on. Can I cooperatively remit payments to you instead of you removing the funds from my account?

We can enter into a settlement agreement with you based on an agreed monthly payment which will include the judgment amount, fees and costs and the 10% legal interest it will continue to accrue. You will need to sign the Agreement and send in your first agreed payment before we can release the wage garnishment.

Am I free to I am pay the outstanding balance in full in the future even after entering into a payment plan with ERG?

Yes. You can pay the outstanding balance in full at any time. In fact, by doing so, you can save yourself the 10% interest that accrues.

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