Can a Law firm run yourn credit from a judgement 9 years ago?
(South Lyon, MI, Oakland)
On November 2003 I was issued a civil judgment for $1500 for credit card company in the 48th district court in Michigan. I never paid the suit over the years I actually had it deleted from my credit via a dispute with Transunion and Equifax. Now come to present 8 years later on October 20, 2011 I was issued a request and writ for garnishment mailed from my current employer. The plaintiff is a Michigan law firm. I did pull my credit end of September I did see the same law firm issuing the Writ against me also did an inquiry on my current credit. The only way this law firm was able to find my employer and current address is by looking into my credit. Since 2003 I have been with over 5 different employers and moved 6 times. I just moved into this new location the past year.
My question to you is does this law firm who represents the new credit card company Provdian Bank which back in 2003 was initially Platinum Financial are they able to legally run my credit since I have had no relationship or contract since this went default in 2003 civil judgement?
Does this mean any law firm collecting on debt over up to 10 years can run my credit?
Please let me know if this law firm violated the FAIR credit law?