cleaning up my credit - Barclay/Juniper and Midland

[Anonymous]

so I have sent out GW letters to three of my credit cards (all syncrony to get rid of a 30 day late). So the only real issues I need to work on is my two collections one with Barclay for $1823 (equifax shows $1300)(went to collection 10/2014)  and Midland (old Sears card for $2870, collections 8/2014) which is apparently a judgment and I never got anything for it. No court docs or anything.

I sent a PFD letter to barclay and all they sent back was my last 4 credit card statements.

What can I do, I know it's too late to enter the lawsuit against midland, because I just found out about it and my kind of luck. midland always called my cell phone. and now the judgment is against me.

any addresses or advice would be great.

[surferchris]

Google "vacate a default judgment".  There have been millions in fines and lawsuits against junk debt collectors and their attorneys for fraudulently obtaining default judgments.  Basically not informing debtors of pending litigation, then getting a default judgment when the debtor/defendant fails to show up for a court date.

If you can prove that you were not properly notified (summons sent to wrong address, etc), then you can vacate or set aside the default judgment.  Then work on setting payment plan with the collector, before they reschedule a new court date.

Hope this helps.  Take care.