Q: How to win against a debt collection lawyer for a debt that I have already disputed?
My employer received a garnishment against me. I have already disputed this debt with the credit bureaus and had it removed and spoke with the collection agency and argued it is not my debt. I was on a lease with my mom and her boyfriend, because I was over the age of 16 I had to be listed on the lease. My mom had me sign under what I believed to be an occupant, this was not the case. My mother is not on the lease. However, they lived here for 3 years and I have never signed a renewal lease. This debt they are trying to collect from me is not mine as I lived at the residence that first year I signed only. I have filed and objection and am now waiting on a hearing. Since I have already proven with the credit bureaus that this is not my debt should this be an easy win?
A: Your issue isn't with the credit bureaus - they only report accurate information. Your issue is that there is likely an underlying default judgment out there in some court with your name on it. What you probably need to do is find out what court that judgment is from and file a motion to set it aside.
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