Looking for some advice. I got a letter in the mail a few months ago that my co was being transferred to a new law firm. When you research it, it's not actually a new law firm, but these sharks appear to be using new letterhead. I wrote them a DV letter because I never remember having this so called cc that was charged off. Right before the 30 day deadline, they sent me a copy of a judgement filed by another company in 08. I went online to the court records systems and they apparently attempted to garnish my wages last year and then just filed to do so again as they never were. I tried contacting an atty to assist, but never got a response back. I honestly don't believe the card is mine as it looks like it was opened in 02 and my husband and I had filed for banko about 3 months prior. I wasn't working (banko was due to significant medical debts) and don't even know how I would've gotten a card. In fact, didn't get anything until almost 5 yrs later!
The papers came from Morgan & Pottinger. It looks like the judgement is set to fall off next fall, but knowing these sharks, they will renew. I cannot have my job get garnishment papers as I deal with a significant budget at work, financial responsibilities, etc. My whole paycheck goes to meds and student loans. Do I try and get an atty or spend $3k in tuition money that I was saving for winter quarter on paying them? It looks like it was originally a $2600 judgement. Like I said, I don't believe the debt is mine just because I wouldn't have been able to get a card at the time (and I also had my identity stolen in the late 90's) and I don't ever remember having a card.
And just because I know you'll ask, it lists my mom as receiving the paperwork (at our address) back in 08.
