However, if the likelihood of rank reversal is high, then the decision maker should interpret the AHP rankings cautiously, as there is a subtantial probability that these rankings are incorrect. If the rank reversal probability is low, then the rankings are stable and the decision maker can be confident that the AHP ranking is correct. We develop multivariate statistical techniques to obtain both point estimates and confidence intervals of the rank reversal probabilities, and show how simulation experiments can be used as an effective and accurate tool for analyzing the stability of the preference rankings under uncertainty. In the presence of stochastic judgments, the traditional AHP rankings may be stable or unstable, depending on the nature of the uncertainty. If the relative preference statements are represented by judgment intervals, rather than single values, then the rankings resulting from a traditional (deterministic) AHP analysis based on single judgment values may be reversed, and therefore incorrect. This paper presents a methodology for analyzing Analytic Hierarchy Process (AHP) rankings if the pairwise preference judgments are uncertain (stochastic). He is an active collaborator of the International Institute for Applied Systems Analysis in Austria. Professor Duarte Silva has published in the European Journal of Operational Research, is the coauthor of a chapter in a book published by the American Psychological Association and has presented his research in several scientific meetings in Europe and North America. Professor Duarte Silva's major research interests are in the study of mathematical models for multicriteria decision making and in multivariate data analysis, with particular emphasis on discriminant analysis and classification methodologies. in business administration from the University of Georgia. in management sciences from the University of Georgia, and a Ph.D. He holds a Bachelor's degree in economics from the Universidade do Porto, an M.A. But if the judgment (whether it was obtained using shady tactics or not) is part of an overall debt dilemma, a chapter 7 bankruptcy may be the best way to rid yourself of your debts and get a financial fresh start.Ĭontact the law offices of John T.Universidade Católica Portuguesa, Faculdade de Cincias Económicas e Empresariais, Centro Regional do Porto, Rua Diogo Botelho 1327, 4150 Porto, PortugalĪntonio Pedro Duarte Silva is an assistant professor of quantitative methods at Universidade Cat6lica Portuguesa - Centro Regional do Porto. If your only issue is one judgment, you may want to try and settle the debt. If your debts are so significant that you cannot hope to pay them, bankruptcy may be an option for you to consider. You can even file this request on your own for just the cost of a filing fee. If the creditor cannot substantiate that you were served, you stand a reasonable chance of getting the judgment overturned. In this filing, you must explain that you weren’t properly served and ask that the judgment be reversed. If you get a judgment you know was obtained without due process, don’t take it lying down! You can go to the court and file a Motion to Set Aside a Default Judgment. How to Fight Back Against a Judgment That Was Wrongly Granted Unethical collectors will tell the court you were served and when you fail to respond or appear (because you knew nothing about it), the creditor gets a default judgment.īankruptcy can be an effective solution to debt collection But with debt collection suits, the responsibility for serving the suit can be taken on by the creditor or collection agent that filed the claim. This is common with divorce, child custody cases and personal injury lawsuits.
How Debt Collectors Get Judgments Illegallyįor some court cases, the sheriff’s department will file the notice so there is verification of service. You can fight back against a judgment obtained through shady tactics, but you have to move faster than the sneaky debt collector! And the bad news is, with a judgment in hand, a creditor can move rapidly to garnish your wages or try and levy your bank account. We frequently have clients that come in for debt and bankruptcy counseling tell us that they received notifications of a judgment against them as a result of a lawsuit they knew nothing about. One of the shady tactics employed by unethical debt collectors is obtaining judgments through sneaky (and illegal) means.ĭid You Get a Judgment on a Lawsuit You Knew Nothing About? But there are some collectors that are unscrupulous and will harass you, lie to you and go beyond the bounds of the law. Sometimes collections agents will be reasonable and obey Fair Debt Collection Practices Act regulations. When your money is tight and you can’t pay your bills on time, the inevitable result is that you’ll be contacted by debt collectors. Judgments can be intimidating, but are reversible