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    sonny2nice's Avatar
    sonny2nice Posts: 4, Reputation: 1
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    #1

    Feb 27, 2007, 03:22 PM
    Credit Judgement Not Valid
    I pulled a copy of my credit report after I found out a "LLC" put a levy on my checking account. I was shocked to find that there was a judgement on my account from a credit card company. The only reason I say this, is that I never applied for a Discover Card. I did have a Discover card but it was issued to me by my Step mother. She has been divorced from my father for over 2yrs now. Where do I stand with this judgement? I am really looking for some guidance. Now I searched the site and I know I should file a "motion to vacate judgement".. But what is the proper term / form I should be using. By the way I live in NY. Thank you
    mr.yet's Avatar
    mr.yet Posts: 1,725, Reputation: 176
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    #2

    Feb 27, 2007, 03:59 PM
    Motion to vacate judgment is correct,reason is misnomer. Go to the court ask for a copy of the judgment see what else is incorrect in the file. Attack each one for errors.

    You must file this or the money will be remove from the attached account. File Motion for hearing also.
    tickle's Avatar
    tickle Posts: 23,796, Reputation: 2674
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    #3

    Feb 27, 2007, 04:01 PM
    If you are a secondary card holder then you are responsible. That is, she asked for a card in you name under her card, right ?
    sonny2nice's Avatar
    sonny2nice Posts: 4, Reputation: 1
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    #4

    Feb 27, 2007, 07:22 PM
    She asked for a an additional card in my name. The card had my name on it, but the bill never showed my name? Am I still responsible for the card? I never signed anything. I got a copy of the court judgement and it states that I am the defendant. I don't understand how I can be accountable for a card I never applied for? So what your saying is that I am still responsible for the bill?
    tickle's Avatar
    tickle Posts: 23,796, Reputation: 2674
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    #5

    Mar 1, 2007, 09:32 AM
    Yes, I know that your name doesn't appear on the statement. This same thing happened to my ex husband and he was definitely responsible. Best not to accept a secondary card at all.
    So, am I right in saying you didn't make any purchases with your card? And if you did, do you still have receipts. They still have to prove you made purchases.
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