Default judgement 2 yrs old, it wasn't me that was served?

by Sherrill
(Knoxville TN)

I have a medical bill in collections. The agency got a default judgement against me. I did have my wages garnished but I earn very little. I have paid over $800 but with interest (that I didn't know abt, never saw the actual judgement) it is like I only paid $400. I am certain that the papers were not served to ME. What can I do? The last garnishment the took was in Jan 2011, and i have not heard from then until now Oct 2011. I didn't know what was owed or paid until today (11-1-11). Do I have any options?

Comments for Default judgement 2 yrs old, it wasn't me that was served?

Click here to add your own comments

Jan 14, 2012
Default judgement 2 yrs old, it wasn't me that was served?
by: Debtcollectionanswers

I have a couple suggestions for you. First, obtain a copy of the judgment. To do that call the court clerk for the court that heard the lawsuit against you to find out how to obtain a copy.

Second, consult with a consumer law attorney . He or she can help determine whether or not you were served. If you were not, then the attorney may be able to get the judgment reversed because you are legally entitled to be formally notified of a lawsuit and when the hearing in the lawsuit is going to take place so you can defend yourself.

Aug 10, 2015
What if
by: Anonymous

But what if the court claims you were properly served and your weren't?

Reply from

That's a tough one. You can try two things: One is to file a complaint against the collection agency with the CFPB and your state attorney general. That probably won't solve your problem but if these agencies get a lot of similar complaints they may take action. The other is to talk with a consumer bankruptcy attorney. They can help you evaluate the situation and understand your options. Here's how to a free initial evaluation with a bankruptcy attorney.

Click here to add your own comments

Return to Debt Collection Questions.

Learn how debt collection laws can help you!
This website does not provide legal advice.
All information is for educational purposes only.
Copyright 2007 - 2021 by Mary Reed and Gerri Detweiler.
All rights reserved..
Read our Privacy Policy here. Do not sell my information.