I had a judgement against me for a credit card. The company that originally sent me the collections would never verify the information, I thought that I might have had that credit card, and made payments, then it transferred to another company that did the same thing. I stopped paying verbally disputing. In court the lawyer could not show evidence documenting the collection other than a letter from collections that I told him I disputed. I wasn't sure on the bill's legality of actual debt. I told the lawyer I'ld make payment arranements, and didn't appear before the judge - I was told and threatened not to that an arrangement was made and no judgement would be asked for.
Well a few years later, I find the original bill, and the amount of the debt that was sued for is very inaccurate. The company refuses to submit any material of verification to verify where the history of the debt came from - past creditors - payments - etc.
Well I'm not too sure now if this is valid and is a scam, and the original credit card company went out of business and the company that bought them out cant find record of it. So if I'm making payments now even - arent they supposed to go to the original credit card company. And don't they have to supply proof of that to me that it was sent to them and address, etc. If I ask, or would this be up to bring burden of proof of forwarding payments to the court? Do I request a vacate of judgement since no one will show me the credit history of where it came from?
Well a few years later, I find the original bill, and the amount of the debt that was sued for is very inaccurate. The company refuses to submit any material of verification to verify where the history of the debt came from - past creditors - payments - etc.
Well I'm not too sure now if this is valid and is a scam, and the original credit card company went out of business and the company that bought them out cant find record of it. So if I'm making payments now even - arent they supposed to go to the original credit card company. And don't they have to supply proof of that to me that it was sent to them and address, etc. If I ask, or would this be up to bring burden of proof of forwarding payments to the court? Do I request a vacate of judgement since no one will show me the credit history of where it came from?