I have a lien on the home of Andy Johnson, former member of the Florida House of Representatives. He stole $3,500.00 from me, and despite the fact that I won the court case, he refuses to pay me back. Due to his stubbornness on this issue, and the fact that liens rack up a nice bit of interest every year, he now owes me what I consider to be ever so slightly south of a bloody fortune.
This made me wonder how that lien is impacting his credit. According to the Nest, a website dedicated to all things financial, the answer is, basically, a heck of a lot. (And my petty little self can’t resist saying that it couldn’t happen to a nicer guy.)
Apparently the credit bureaus calculate liens in with your negative payment history, so “having a lien on your credit history would fall between making several late payments on a credit card and declaring bankruptcy.” In addition, the Nest says that “You could also be restricted from obtaining a home equity loan or a mortgage in the future.”
So Andy may think he’s proving some twisted point by not doing the right thing and paying me what he owes me, but actually he’s only harming himself, and the negative ripple effect of that is that he’s costing himself a lot more. According to Credit.com, a low credit score will influence the auto loan interest rate that you get, the amount of a down payment you have to pay for a cell phone plan, your ability to rent property for your home or business, and your ability to obtain credit cards. It can also impact your home and auto insurance rate, and the rates of any private student loans you attempt to obtain for your children.
Andy Johnson does have kids, and by leaving such a sickly financial legacy behind him, he also is doing nothing to help them get ahead. I do feel sorry for them, but it could so easily be rectified if he paid up. He is his own worst nightmare, to be honest.
And then there’s his reputation to consider. I will continue to maintain my blog entries about this man and what he did to me as long as he lives, or until he does the right thing, whichever comes first. If you google him, my blog entries come up. As of this writing, 41,400 people have viewed my blog, and his is one of the more popular topics that people check out. The internet never goes away. Future generations will know the kind of man he is.
Face it, Andy, you’ve lost. For the sake of your family, do the right thing. My credit score is 772. What’s yours?
You can read the full and sordid details about Andy Johnson’s underhanded dealings here. Or you can get an abridged version of events here. You can get details on how he blatantly lied about the situation to a reporter and my documented evidence of it here. If you’d like to confront him about this situation, read my suggestion about that here. And if you’d like to buy my judgment at a discount and make a nice profit from collecting the money, read about my offer here. If you would like to talk about other nefarious deeds of his, do so here.
[image credit: hellofromhei.com]