gimr03
New Member
- Jurisdiction
- New York
Back in 00's, my husband and i endured many years of financial hardship due to his increasing physical disability. We did have a couple of judgments filed against us which have all now fallen off our credit reports.
A couple of months ago i recd a letter from a Nevada based debt collector wanting me to pay $2377 "plus accruing interest and fees". i sent them a timely letter stating that i disputed the validity of the debt, and asked them for proof.
Yesterday i recd a 3-page copy of a Washington Mutual credit card statement from 12/2007, an illegible page that looks like info was printed over another page of copy, and a copy of a judgment dated 1/15/2010 in the amount of $1355.09 that was alleged to have been served to me by Forster & Garbus. The copy of the judgment was not signed nor sealed by the county clerk.
Upon review of everything that's been sent to me, i realized that the debt collector is the 4th or 5th party to have been passed this alleged debt. Their latest cover letter states that i now owe $2398.86+.
There has been no phone contact with the debt collector as i do not answer calls from unknown phone numbers. My first instinct is to have no further contact with them, but is that truly the correct course of action? i understand that NYS SOL on money judgements is 20 years so my feeling is they're looking to revive the judgment. Please help. We are looking to buy a home in the next couple of years and do not want any unpleasant surprises.
A couple of months ago i recd a letter from a Nevada based debt collector wanting me to pay $2377 "plus accruing interest and fees". i sent them a timely letter stating that i disputed the validity of the debt, and asked them for proof.
Yesterday i recd a 3-page copy of a Washington Mutual credit card statement from 12/2007, an illegible page that looks like info was printed over another page of copy, and a copy of a judgment dated 1/15/2010 in the amount of $1355.09 that was alleged to have been served to me by Forster & Garbus. The copy of the judgment was not signed nor sealed by the county clerk.
Upon review of everything that's been sent to me, i realized that the debt collector is the 4th or 5th party to have been passed this alleged debt. Their latest cover letter states that i now owe $2398.86+.
There has been no phone contact with the debt collector as i do not answer calls from unknown phone numbers. My first instinct is to have no further contact with them, but is that truly the correct course of action? i understand that NYS SOL on money judgements is 20 years so my feeling is they're looking to revive the judgment. Please help. We are looking to buy a home in the next couple of years and do not want any unpleasant surprises.
