I thought I was so close to closing the chapter in my life from the past full of debt.
Then I recently learned of something else that came to light as a total shock! I have lived in Michigan for the past 2 years after living in Washington DC for 2.5 years before that. Prior to DC, I lived in California.
I recently was encouraged by my bank to take a look at my credit report for some “irregularities”. I pulled a free credit report and learned that I had a civil judgement entered against me in California in February, 2011. I had a lawyer friend in CA look into this and apparently service was delivered some time in 2010 to a Postal Annex where I had received mail for about 9 months back in 2009 just after leaving the state.
This was for a credit card that I had registered with a debt settlement company, for which I had paid monthly for two years during this time for the settlement company to negotiate on my behalf.
This was never negotiated and the settlement company says they can’t do anything about it. So, now, I have a judgement looming out there, with me first knowing about it until now, when it is after the 2 year SOL has passed to file a Motion to Vacate for improper service (I truly didn’t know about this judgement until about a week ago in 2013).
What should I do? Can I wait until an attempt is made to move the judgement to Michigan and file to vacate then? Or do I try anyway in California? Or do I figure out who owns the debt at this point and try to negotiate some sort of settlement? I am at a loss and just trying so hard to get the debt issues behind me so I can move forward to start building a good credit profile over the next several years.
Thanks for your help!
If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.I Was in a Debt Settlement Program and Was Sued by a Creditor and Never Knew It. - Elizabeth by Steve Rhode