Debt Validation on a Judgment

How should I go about paying a 4 year old jugement? The collection company has filed a writ of garnishment for my part time job. When I requested validation of the debt the collection company sent me a computer print out of charges that I didn’t agree with that totaled the amount of the judgment. The itemized list of charges the collection company presented to the court stated the total amount was interest, penatilites and fees, not what they sent me upon validation. When I spoke with the account repersensitve he stated what was mailed to me was not related to the judgment. If this is true a $500 debt has become a $2200 dollar debt in 4 years. 
 
Thank you; I really appreciate what you are doing.

I got letters for 3 accounts stating they could not validated the debt thru the step 1 validation process, I will let you know I much my credit score increases.

Thanks again,
MIMI 

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Hi Mimi,

The FDCPA only requires the collection agency to obtain “a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector”.  Once a debt gets to judgment status, the collection agency does not have to send you anything other than a copy of the judgment for validation.

If the judgment is four years old then I believe it’s beyond the SOL for vacating.  You can check with the court or ask an attorney in your area and they can probably answer that question for you over the phone.

I’m sorry I don’t have better answers for you other than the fact that most judgments are never collected and a judgment creditor would most likely be willing to settle for less than the amount owed. 

Thanks for the questions.

Paul

This author is not an attorney and this information should not be considered legal advice.  Please consult an attorney for legal advice.