A party seeking payment of a debt does not "file a judgement."
They file a civil action seeking a judgment of the court. A judgment results only after trial.
Rules of civil procedure require that a defendant be notified of the proceeding and have the opportunity to attend trial and present a defense.
If they are served notice and dont appear, the court can issue a summary judgment without your presence.
That is your opportunity to show the court that the debt was not authorized by you, and if proven, result in a finding on your behalf, and if requested, deletion of any credit reporting related to that alleged debt.
Service of notification of the proceeding varies under individual state laws, and usually involves an attempt to physucally serve notice on the defendant.
However, if the defendant cannot be located, there are usually provisions for service by other means, such as publication in a local newspaper.
Have you moved/changed address that the plaintiff or court may not be aware of?
If sued, put together your documentation, and show up in court.
That may, in fact, be to your benefit. A party does not have to provide documentation or "prove" their verification in a dispute process. However, if they file civil action, they will be required to support their assertion with evidence, and you will obtain a binding determination by the court. Not a bad thing......
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