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Help a fellow Philadelphian who faces a legal threat to their housing, family, and income - take a case
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Case Type Collections Skills Developed Client Interviewing/Courtroom Experience/Legal Drafting/Negotiation

Case #22-0048844

Client seeks assistance with a collections matter. Client was sued by original creditor, Bank of America (BOA), for about $18,000. The debt originated from a loan Client took out to help his small plumbing business, which his wife helped operate. After his wife passed away, and due to a very high interest rate, Client had a difficult time keeping up with the payments. Client exchanged calls with Bank of America to try to negotiate the interest rate down, but was unsuccessful. On November 19, 2020, BOA filed a complaint against Client in the Court of Common Pleas. When Client did not respond to the complaint, BOA sought default judgment, which was entered on April 2, 2021. Client says he did not respond because he never received notice of the suit as it was served on his elderly father, who did not share it with him. Client first learned of the suit when he received notice of a writ of execution filed in July 2022, and his checking account was frozen. Client’s goal is to have the default judgment opened, to dispute the debt amount he feels is inaccurate, and to negotiate an affordable payment plan. A volunteer is needed to file a petition to open the default judgement, negotiate on client’s behalf, and possibly represent him on the underlying matter if the petition is granted.