Judgement for CC of 1998!
Hello everyone. I came here in hopes finding an answer for my problem. In 1994 I opened an account with Sears. In 1998 it was in collection. I was young and stupid didn't pay it off. I moved to a different coast of the county for school and never heard about this CC again.
My mom supposedly paid it off and she has been telling me all these years that she paid it of. To make a long story short - couple of weeks ago, I got a letter from a law firm that they have obtained a judgment against me. I went to my county's civil court but they couldn't provide me with more information. The original debt was $1,400, and the amount of the judgmenet is $2,700... I called the law office but they just laughed in my face and told me that "actions were already taken against me". It turns out that they came to my bank and took $1000 out of my account. All the money I had for the next couple of weeks. I just lost a job (massive layoffs) and the last paycheck with severance is due to arrive on 2/29.
The letter that I got 2 weeks ago was the FIRST one I have ever gotten. The only reason I didn't worry about this credit card for all the years was because my mom was convinced that she paid it off.
The statue of limitation in my state for credit cards is 6 years. My Credit History DOESN'T show any debt to Sears. It has already expired. My credit is in good standing, score is above 700. Is there anything I can do to fight them? Does it makes sense to hire an attorney or can I do it myself?