In 2001 I was sent summons for judgment for a car that was repoed in 1998. I did not know what to do at time and was scared, I set up payment plan with collector and did not go to court, I made about 3 payments in 2001. I have not paid them since. After 7 years I just recv a summons of garmishment for 12,000. They have not contacted my work yet and there is no garnishment # on the summons, it only states the amount of judgement, judgement # and my employers name. What should I do at this time and is it possible for me to file a traverse on the grounds I never knew about the judgment. Nothing from mazda, primus (the plantiff) or the law office debt collector has ever been on my credit report. Thanks for your help!!

When you set up your payment plan in 2001, did you sign a Stipulation of Judgement? If so, when you defaulted on your payment agreement, a judgement may have been entered against you. Since it has been 7 years it is doubtful that you can have the judgement vacated. What state do you live in?