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It depends upon where you opened your account. Like if you moved to Iowa and opened the account in Iowa they may not be able to unless they registered the Judgement in your state.

Even though you...

I didn't make the payment in full it was a payment plan.. But now I have to go another 7 years because Im not paying a debt from 1998 they can't verify that's OUT of the question!

MAN! MAN! MAN!

At least I know that if they do sue and I got to court at such time they then HAVE to validate the debt...

Im so MAD at myself! I would have NEVER paid a 1998 debt in 2007 that...

No they aren't the collection agency for both bills. They didn't trick me.. I was under the assumption it was for the 2006 bill. But then I got a call from a totally different agency for the 2006...

They aren't suing me they are saying that I owe the debt and are collecting on it. So I am asking them to validate it and they said their validation consists of my name, social and dates open/closed....

Okay... I got a call from Asset Acceptance... or was it a billl...

Anyway I had a sprint bill that I had about 6 months ago and they said they were collecting on a sprint account I -umed it was...

I did and they are like oh we had referred this to C&S but now its ours and we have a judgment but C&S is the one who established the judgment and it was since vacated.

It just doesn't seem...

But C & S was the one who got the original judgement so when I did an answer they received it and on 2/07 this year they attached my account. Now two weeks ago I started to receive calls from W & A...

So even if C&S and I are currently in court and the orig. debt is to a different company these firms are just rep. that company. Another firm and call be to collect on a debt that is currently in...

I am currently awaiting a trial date for a Spiegel account which is being rep. by C&S law firm, the judgment was vacated. And I keep getting calls from W&A re: the same debt.

I told them it was...

Which brings me to my next point... how can I find out a particular companies contractual agreement if its an old account?

Thanks!

Its my debt but its from a collection agency that never had my social security number. So Im trying to figure out how it ended up on my report. But you said its by points and name and add. Is...

I have but they keep saying its verified

So the fact that they have a name and address and not a correct social or a social can get it removed from your report?

I acutally did my answer that day (I had 20 days). But from what they filed I feel so unprepared.

My friend said to keep it simple I was never served and this isn't my account. Validate the debt...

That's exactly what it was a copy of their filing with the court of their intent to fight my motion

Interesting. The attorneys office sent me this document "opposition of my motion to show cause" and it was detailed about me being served (via a notice to a door I didn't live at and they can't prove...

WAGE GARNISHMENT EXEMPTION: 100% of wages exempt in PA

Thanks Ex!

Dang! I wish it were the other way. I have an old debt due to expire next month and Im wondering if it applied to the state I was in when it occurred (NY SOL 6yrs) or the state Im in...

In the stipluation for vacating the judgement to put it back on the calendar the lawyer wanted me to sat they I waive all jurisdictional defenses... I refused and they scratched it out.

Does that...

Does SOL apply to the state you lived in when you acquired the debt or does it apply to the state you currently live in?

Wow- Thanks!

And if you dispute it, will it still come back to you?

Questions:

How can collections be reported to you when/if the social is wrong but everything else right or when you never gave a social at all...

i.e. a collection agency represents a company...

I think PA has strict laws regarding attachments and garnishments... not sure what they are though

How can I defend the fact that after I found out about the judgement 1/6/06 (supported by a letter I sent to the court and firm) and didn't present motion to show cause or request to vacate until...

This is what I found under Void Judgement:
As a general rule, a judgment or order is valid (i.e. not void) when the following elements are present: (1) the court has subject matter jurisdiction;...

I don't know if I have any of those things but I will look because I have to have something - I even have a (valid) NY driver license with a NJ address.

How can I prove I didn't live in NY. Can I have my ex write a letter and have it notarized? I moved into his house so my name wasn't on anything.

I will Google - I live by Google that's how I...

Ahoy... Thank goodness I didn't have an exoneration party!

Because yesterday I received in the mail a motion in opposition to my order to show cause. They said basically that they shouldn't have...

Yeah that seems to be a bit much. I might just take me vacated judgement and cut my losses. It was just said to me as if it were so easy and hassle free... but obviously that's not the case.

I would have to file in Nassau County (Queens, NY). I live in MD so Ive had to take off work and drive to NY at least twice to get this court date to get this vacated.

Im not looking for like 10K...

Okay... so Lost wages and deformation of character don't count? Ive seen things online where people were awarded monies for damages etc. And yes this affected my credit rating and Ive been turned...

I was told by a friend that I should sue because other than the bad service they attached an account that they didn't have the jurisdiction to.

When they served it I didn't live at that address...

I got the judgement vacated!

However I still need to look into filing a counter suit and I have a follow up date sometime in July to permanently get this closed/dismissed.

:o Thanks! I suppose if things go wrong I can always reference that to keep things balanced

Yeah Ive heard about them... and NAF.

SO basically I shouldn't have a problem filing a counter suit, since its civil in nature?

Thanks Mr. Yet - the attachment was already released...


Do you know if any of what the firm has done violates FDCPA? And if I have grounds for civil suit?

Hello All,

I Currently live in MD however prior to 2001 I lived in NY.

1/2006 I called a small bank in NY I had an account with for years and learned that it had been restrained by a law firm...