I wish I have known this website earlier, otherwise , I would not go through all these tough times. This is my story, about 5 years ago, my ex used my credit cards without my notice, When I found out, he promised he will pay whatever he own. After we broke up, he stopped making the payments, I tried to pay for couple months, it was about $3000, I paid $400/month for 3 consecutive month, but because the interest was so high, the balance seems not much different with the original one, so I I stopped pay the credit card plus I think I am not the one who used the money. 3 year later, I received a summon letter from the attorney, I showed up to the court on the date from the letter, but people at court house they said they don't have any document about my court date, they advised me to go home and wait for the letter from the credit's attorney. Few months after that, I received a default judment letter. The amount plus interest is kind of high, plus I don't know much about laws, some people said, I should file bankcruptcy, that's why I stop payments for other credit cards. Now, because I want to rebuild my credits, I try to pay off all the debts through debt reducer program. I recently check my credit reports, and I found out I have 3 default judgements which I have no ideas. Can they do judgement without my knowledge? Is there any way for me to solve the problem, and I need some advices for debt consolidated program. Please help and thank you for your time.

While legal matter can be confusing at times, you really have to pay attention to what any type of legal letter says.

Most are very clear as to the instructions, some say you must answer the complaint by a certain date, others give you an actual hearing date. My guess is that you showed up for a hearing, when what you really needed to do was file an answer. Since there was no answer, they were able to obtain a default judgment on the complaint.

With three default judgments, and from the sound of things, more credit issues still to be resolved, perhaps bankruptcy will be your most viable option since it seems you are already having a tough time in making your payments.

Most attorneys will give you a free consultation and explain what your options are, I recommend you find one and see what they have to say?

Good Luck!

I have another question... does anyone know any good attorney in Houston? And I do want to clear my credit, should I use debt reduce program? Any suggestion out there?