Q: Where to obtain key record of a debt filed as default judgment in court in 2003 collectors didn’t respond to prove it?
I doubt the debt filed in court in 2003 belongs to me . Collectors didn’t respond to my two certified letters asking them to send me original contract with the bank signed by me and the original date and amount of the debt at delinquency. It seems that they don’t have those documents because the debt was sold to different companies.How do I make informed decision if the debt belongs to me or it is an identity theft since I lived for eighteen years abroad? Do I have to submit a complaint to the CFPB or to the clerk at the court?I just came back to settle down in the states opened a bank account which was instantly garnished by the collectors without me knowing about the debt. How to deal with writ of execution of a default judgment of an unknown debt? Knowing that I don’t work have no income benefits or properties. And the default judgement was filed in another state where I am living now. Do I close my bank account which has zero dollars now to avoid monthly maintenance fees?
A: This question is much ado about nothing important. If the debt goes back to 2003 it is uncollectible because of the statute of limitations. These bottom-feeders know that; and that is probably why they will not respond to you. And
whatever you do, do NOT agree to pay them anything--at least not before you ask a lawyer to advise you; paying anything on old uncollectable debts can re-establish the debt as current again--which starts the limitation period all over.
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