No particular language is necessary for this type of report so long as the report clearly conveys the necessary information.
Kentucky Report to Creditor by Collection Agency Regarding Judgment Against Debtor
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How to fill out Report To Creditor By Collection Agency Regarding Judgment Against Debtor?
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FAQ
If the creditor wins in court and you can't pay what you owe, the creditor may try to take some of your income or property to pay the debt. This must be done through a legal process which will give you written notice and a chance to request a hearing before anything is taken.
Credit Reporting However, debt collectors cannot report false information about your debt. If you dispute a debt in writing with a debt collector, that debt collector must tell any credit reporting company that it has reported your debt to that you dispute the debt.
The Fair Debt Collection Practices Act (FDCPA) is a federal law enacted in 1978 and designed to prevent harassment and unfair collection methods by debt collectors. If you are being contacted by a debt collector in Kentucky, then you need to look into your rights to fight it.
Kentucky Wage Garnishment The most common remedy judgment-creditors use to enforce judgments is wage garnishment. Here, the judgment-creditor contacts the debtor's employer and require the employer to deduct a certain portion of the debtor's wages each pay period and send the money to the creditor.
And some states also allow judgment liens on the debtor's personal property -- things like jewelry, art, antiques, and other valuables. In Kentucky, a judgment lien can be attached to real estate only (i.e., a house or similar property interest).
A judgment is a court order stating that you owe the debt collector money because of a lawsuit. You may have received a judgment because the court decided in favor of the debt collector in a trial, or because you did not respond to a lawsuit that was filed against you.
Statute of Limitations by State Statute of Limitations by State (in years)Kentucky515Louisiana1010Maine66Maryland33**50 more rows ?
For both open account and written contracts, the statute begins to run from the date of default. Kentucky Judgments (both domestic and foreign judgments domesticated in Kentucky) are valid for fifteen (15) years and can be renewed.