Okay so I would like some assistance please.
I received a letter from JP Morgan Chase a few months ago about an inquiry into my account. I called said department and was given a number to a lawyers office in GA who are obviously a debt collector. They gave me some info on a so called car loan that I took out 15 years ago in ga (97) they said I am being sued for that, I did once live in ga, and felt like I was a victim of identity theft after a bunch of ga addresses that I had never lived at showed up on my credit report. However its now 2011 I have since cleaned up my credit and am in the process of buying a home. Well just this past week I found out that a lien had been placed on my bank account in the amount of $12,000. I have the original court documents that were filed in 2000 when I was no longer living in the state. I moved to NY in 1999. The amount of the judgement filed then was about $3800 plus fees. FF to 2012 and I need to know my rights and how to get this judgement vacated. This is NOT my debt, I was never served and given a chance to appear in court, and these people can't produce me a contract that I signed, a copy of my drivers license, NOTHING. All they have is a ssn, and an address from my credit report and the names of a couple of my past employers and say we have positive matches on your identity, so this is your debt. I need to know what I can do because its not. And in a day and age of electronic everything this is unfair, my income tax returns, ny paycheck, have all gone into this account and my funds are frozen.
