If You've Been Sued!

[chane]

IF YOU'VE BEEN SUED:

Send a validation letter (if you've been sued by a Collection Agency) AND answer the complaint (by the time frame imposed on the summons). Show up to court. Don't allow a default judgment.

Find your local court rules here:

http://www.searchlaw.com/courtrules/other.htm

How to Answer a Lawsuit for Debt Collection:

[Link down]

[muneca0214]

I've been sue but I was not aware of it. I was sued in NY. I had moved to Louisiana before I got the summon papers. They left the papers taped at the door of the building I used to live and a neighbor found them, since they know me and my mom they gave her the papers and she mail them to me. It is the way I found out about it. I wrote to the Court explaining this, and they answer saying I needed to file an order to vacate judgment. BUT I am not in NY nor do I have to money to travel just to go to the court. I neither have the money to pay a lawyer to represent me. What are my options in this case? Since I think a default judgment was enter against me for not showing up to court, but how was I suppose to do so if I didn't know I had to?

[CreditCrisis]

I received papers saying I would be sued unless I could provide information why I shouldn't be sued. I just checked my public record file and a judgement is on there!:mad:

[goolsbyja]

Hello to all I am new to this forum and I can honestly say I have enjoyed reading all the post that I have read thus far. I have a couple of question that I would like to ask in reference to repairing my credit.

1. Is it the wise move to have all old addresses removed from my credit report first before I dispute items?

2. Does anyone have any contact at Equifax or any of the other credit bureaus?

3. How can tradelines help me?

4. Is there anyway to remove things off your credit report that you know do belong on it.

5. I have over 50 letters that can be sent to the credit bureaus is there a proper order on which ones should go first.

Thank you

[chane]

Originally Posted by goolsbyja

Hello to all I am new to this forum and I can honestly say I have enjoyed reading all the post that I have read thus far. I have a couple of question that I would like to ask in reference to repairing my credit.

1. Is it the wise move to have all old addresses removed from my credit report first before I dispute items?

Yes.

2. Does anyone have any contact at Equifax or any of the other credit bureaus?

I don't have any special contact info for them. I've always just sent them letters.

3. How can tradelines help me?

They can show that you make your payments on time and have available credit that you are not using, which shows that you are not in a bind.

4. Is there anyway to remove things off your credit report that you know do belong on it.

Absolutely. Read this before asking any more questions please:

http://aaacreditguide.com/forums/beg...it-repair.html

5. I have over 50 letters that can be sent to the credit bureaus is there a proper order on which ones should go first.

Thank you

You only need 1 or 2. Why would you have over 50???

[goolsbyja]

I would like to say thank you to Chane you were very helpful. So when i send the letters to the bureaus to dispute items on my credit report that i know should be there should i just send the letter that you have in your samples? Also if i was to purchace a tradeline how many points can i expect to see on my credit report? Also do you sell tradelines?

[chane]

Originally Posted by goolsbyja

I would like to say thank you to Chane you were very helpful. So when i send the letters to the bureaus to dispute items on my credit report that i know should be there should i just send the letter that you have in your samples?

Yes, don't give them a reason for the dispute. Just let them know that you wanted it investigated and removed if they are not able to provide proof it belongs there.

Also if i was to purchace a tradeline how many points can i expect to see on my credit report? Also do you sell tradelines?

I don't know much about purchasing tradelines. It sounds risky. Try to get a secured card or a credit card from a credit union. No, I don't sell tradelines.

[Trish]

Just thought I would put this link in here:
United States Rules of Civil Procedure, Process Serving Laws ? ServeNow.com

First things you need to do if you've been served:

1. Look in that link at your state laws and see if you were served properly.

2. Check the courthouse to see if the summons and complaint has actually been filed. Some CAs will send you papers as a warning or scare tactic. You need to see if they've actually filed the papers.

3. Check into your state's RCP (rules of civil procedure) so that you know can get familiar with the laws and also know what your next step to take is.

4. File your formal Answer and Counterclaims. You will usually have a time frame in which to do this. It will tell you in your summons.
Call your courthouse or look at your local courts online....... a lot of time they will have the forms for you to download.

[Heather]

I recently looked at my credit report as a result of applying for a mortgage. It turns out there is a judgment on my credit report from a different state from 02/2007. I lived in that state (TN) until 2006, when I moved to OH. I never received notice that I was even being sued, I know I definitely was not served anything. I was definitely not living in that state when the judgment was filed/granted. (I'm guessing it was a default judgment, since obviously I never showed up in court for a suit I had no knowledge of.) It seems to be from a medical bill (it is a hospital). I honestly cannot even think of what incurred this bill in the first place, which is an entirely different issue. What is my best recourse for having this judgment reversed? Is it too late to file for a vacate, since it has been three years? It hardly seems fair, since this is the first I've heard of any of this. I'm only a four hour drive from the state where I used to live, and I will drive down there to file paperwork if I have to.

I can say that I have learned a good lesson - check your credit report more than once every five years!!!

[Trish]

Originally Posted by Heather

I recently looked at my credit report as a result of applying for a mortgage. It turns out there is a judgment on my credit report from a different state from 02/2007. I lived in that state (TN) until 2006, when I moved to OH. I never received notice that I was even being sued, I know I definitely was not served anything. I was definitely not living in that state when the judgment was filed/granted. (I'm guessing it was a default judgment, since obviously I never showed up in court for a suit I had no knowledge of.) It seems to be from a medical bill (it is a hospital). I honestly cannot even think of what incurred this bill in the first place, which is an entirely different issue. What is my best recourse for having this judgment reversed? Is it too late to file for a vacate, since it has been three years? It hardly seems fair, since this is the first I've heard of any of this. I'm only a four hour drive from the state where I used to live, and I will drive down there to file paperwork if I have to.

I can say that I have learned a good lesson - check your credit report more than once every five years!!!

Hi Heather,
You may want to read this:
Guide To Disputing/Removing Judgments
HTH