equinox308
New Member
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State of California:
I have some unpaid credit card debts stemming back 10 years ago and since receive the occasional 'collection letters' from various companies who bought off the credit card debts from the original credit card companies.
Most recently I just requested my credit report for the first time and found out from the credit report I have no "collections" actions,etc. but under Public Records, that I have a Judgment on my account filed 11/2005 with a local court and the fee amount of $7,000 from Plaintiff: Credigy Receivables. Over the years I never received any notice from anyone regarding this. It may or may not be correct, so my first question is what should I do from here to get this resolved or even removed from my credit report? For date reported it says N/A and status, satisfied date, verified date fields are all blank.
The other question-today I received a letter from a Gryphon Solutions referencing the above Judgment and stating that they have the authority to resolve my account in full for $956. Is this a fraud or is this legitimate, and what should I do, take the offer or find a lawyer?? (what type of Lawyer can best help me in this situation??)
Thanks for your time and replies
State of California:
I have some unpaid credit card debts stemming back 10 years ago and since receive the occasional 'collection letters' from various companies who bought off the credit card debts from the original credit card companies.
Most recently I just requested my credit report for the first time and found out from the credit report I have no "collections" actions,etc. but under Public Records, that I have a Judgment on my account filed 11/2005 with a local court and the fee amount of $7,000 from Plaintiff: Credigy Receivables. Over the years I never received any notice from anyone regarding this. It may or may not be correct, so my first question is what should I do from here to get this resolved or even removed from my credit report? For date reported it says N/A and status, satisfied date, verified date fields are all blank.
The other question-today I received a letter from a Gryphon Solutions referencing the above Judgment and stating that they have the authority to resolve my account in full for $956. Is this a fraud or is this legitimate, and what should I do, take the offer or find a lawyer?? (what type of Lawyer can best help me in this situation??)
Thanks for your time and replies