Do something that most people with debt NEVER DO. CHECK YOUR CREDIT REPORT regularly. It will pick up phantom judgments within 60 days or so. And this will be early enough to file a motion to vacate the judgment before it becomes too old to touch. Then maybe....just maybe....the judge will add yours to his or her busy caseload ....and uphold the law.
The Worst of the Illegal Collection Tactics...because it is so common and it works.
by
William Rose
of Law Office of William Rose
(
)
Here's one for you: How can a debt collector win a collection lawsuit it could never prove in court ? Easy. Like this....and they do....alot: File a lawsuit, throw the summons in the sewer, and, when the defendant doesn't respond, get a quick default judgment. Then wait a few years while the judgment ages, building up interest; and, then, after the time for challenging the judgment, enforce it by snatching the consumer's bank account and/or wages.
" But judge, I had no idea I'd even been sued until they took my money!"
By this late date the judge is thinking less - if at all - about your rights and worrying more about increasing his caseload by re-opening a closed case. Guess which way this one's coming down. Sorry.
So, how do you protect yourself against just such a violation of your rights?
Do something that most people with debt NEVER DO. CHECK YOUR CREDIT REPORT regularly. It will pick up phantom judgments within 60 days or so. And this will be early enough to file a motion to vacate the judgment before it becomes too old to touch. Then maybe....just maybe....the judge will add yours to his or her busy caseload ....and uphold the law.
Do something that most people with debt NEVER DO. CHECK YOUR CREDIT REPORT regularly. It will pick up phantom judgments within 60 days or so. And this will be early enough to file a motion to vacate the judgment before it becomes too old to touch. Then maybe....just maybe....the judge will add yours to his or her busy caseload ....and uphold the law.