Restless; and not being able to focus in my work and scare of money situation, paying bills.
Consumer Action Taken:
10 years ago discover card got a default judgment against me, as I failed to reply there summon.
Then on January 28 2013, a collection firm send me a summon with a complain behalf of Discover Card referring the 10 years old judgment and gave a 20 days to reply to that summon, I mailed them a letter in response to with Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
However, they reply back to me but did not comply with the validation and also did not provide me a copy of the original signed loan agreement or credit card application. I also reply back to them with a letter stating that they have failed to send adequate documentation and proof, and have not complied with the violation of the FDCPA, section 809 (b).
This collection company did not have the original judgment against me. That was Discover card through another collection firm.
The old judgment expired on March 10, 2013 but they went to the court on March 28, 2013 and got a default judgment against me on April 2nd 2013 .
•They did not notify me for court hearing.
•They failed to provide me validation within 30 days.
•This collection company did not have the original judgment against me. That was Discover card through another collection firm.
•They did not provide me verification or copy original judgment.
•And they renewed the judgment in court after the old judgment is expired by saying that I did not response to the summon.
I need your help how to vacate this default judgment, and lawyers are asking me so much money to do that. Please help me
I have the copy of summon, and letters. I mailed them those letters with notarized and with return receipt
Date This Problem Happened: April 2, 2013
State You Live in: Minnesota
Age Range: 21-35
Total Amount of Fee Paid:
Company Name: Messerli & Kramer
3033 Campus Drive
Plymouth, MN 55441
Company Telephone Number: 763-548-7900
Website of Company: messerlikrammer.com
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