Am I Considered Judgement Proof...?
I am being sued by Asset Acceptance in Florida. They are claiming I owe over $3000 for a credit card. I have never been served or received a certified or registered letter.
The only way I found out about this is when they froze my bank account. When I spoke to the debt collector, he refused to send me a validation notice and told me to get it from the courthouse. I went to the court house and found all these papers on file: Default Final Judgement dated June 2005, Summons/Notice to Appear for Pretrial Conference dated April 2005...I never received any of these papers. Also my last name is misspelled on some of them if only by one letter.
I have never owned this credit card and I believe my estranged husband opened it up in my name online (that in itself should be illegal). He also tried to get one in our young son's name...he was about 4 years old at the time.
I requested a hearing and Claim of Exemption because my son's SSI check is deposited into my account.
I own nothing, no house, no car and have no assets...none.
Can I be considered judgement proof, but most importantly can I get this judgement dropped? I am terrified of putting even a few dollars in the bank for fear of this happening again.
Thank your for your help.