Bank account levy, improper notice, wrong amount, and I am abroad
A levy was placed on my bank account because of a 4 year old credit card debt. I still have the old credit card bills and when I compared them to the amount the debt collector got a judgment for I saw that he tacked on over $1000 to the amount that is reported in the old bills. Is he allowed to do that? Are there any laws to limit how much a debt collector is allowed to inflate the original debt. The other thing is that when the judgment was made I wasn't in the country, and not at the address they have, so I never received any notice. From what I've been reading, if you don't contest it they just rule in favor of the debt collector, true? Is that improper notice? I am not even in the country now, so what can I do? I am willing to pay any debt that I owe, but not some made up number by the debt collector. Do I still have a chance of negotiating a lower amount and payment arrangements? Any help?