What to do if adebt collector has received a judgement against me without serving a me court summons?

Asked on October 31, 2011 under Bankruptcy Law, Colorado

Answers:

MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

In many states, a debt collector doesn't need to have a judgment against you to begin the collection activity or actions to collect the debt. For example, if you owe on a credi card and the credit card company sells off your debt to a collector, the collecto doesn't need a court judgment to begin attempts to collect the debt. As long as the debt collector is able to follow the Fair Debt Collection Practices Act, there is no need for a judgment or summons. If you received a judgment against you, make sure you dispute the claim with the credit reporting agencies who have reported this judgment on your credit report. What you need to do is file the dispute and part of your dispute would be that you did not receive notice of a court action against you.


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