You will have interest and fees that continue to raise the amount owed until paid off or otherwise stopped. You should consult with an attorney to determine whether a settlement might be negotiated for a lesser amount. Good luck to you.
Cody H. KnightChapter 7 Bankruptcy AttorneyKalamazoo, MI ·
You may be able to set aside the judgment but you will have to move very quickly. If you do nothing the judgment will stand! You should speak to a local attorney very soon. If you have other debt issues, the simplest answer may be a bankruptcy.
If you were served with papers properly, under Michigan law, a judgment against you could stand. But if you were not properly served, then a judgment against you could be deemed void. You must be given proper notice of a court date (through a "summons") before a court can take any action against you.
Many things that are added on a credit card debt might not (in your case) be properly added. Other charges may be lawful, however. All of this requires you to speak with a Michigan attorney who can best advise you of your rights, and what you have to do (if you can do anything at all). And there is a limited amount of time to attempt to vacate a judgment -- so you need to act immediately.