Creditors Exchange claims to have a judgment against me – what to do?

mex, youre really beginning to make me believe that you either do not know at all what youre talking about, or that you are here to intentionally spread false information. Here, let me help you out, again.....

A BENCH WARRANT can ONLY be issued by a judge during a court proceeding. Why do you think its called a BENCH warrant, folks? because it is issued AT THE JUDGE'S BENCH. This happens when you are supposed to go to court and you do not appear. Normally, a bench warrant is not seen in civil cases, because the very nature of a civil case means that it is not a criminal matter. Typically, if you dont show up for court in a civil matter, the judge finds in favor of the other party instead of issuing a warrant for you. Keep this in mind, the only other way for an arrest warrant to be issued is for the police to get a judge to sign off on one. A BENCH warrant happens because the judge issues it, not because the debt collector gets one done.

One thing to really consider here though, mex, is in your posts. You ALWAYS talk of "personal experience".....let me share with you some of my personal experience. I began working in bail enforcement about 8 years ago. I went to college for criminal justice. And I have helped dozens of people on here and elsewhere to get out from under scavenger debt collectors and illegal debt collection tactics, including numerous court cases. And in all my "personal experience", too many coincidences add up to no coincidence at all. This is the second post from you I have seen just this morning that relates false info along with your "personal experience" to back it up. You claimed elsewhere that a clerk in your office filed a lawsuit against someone, and yet in order for you to work in the kind of office that would be involved in such things, you have incredibly horrible grammar and spelling. What, do you work in the mail room or something?

Bottom line, your "personal experiences" are false. The law simply does not agree with your "personal experiences". Unless, that is, you simply happen to have the repeated misfortune of living and working in a place that throws the law out the window every time you are "personally" involved.....

This is, again, false. They CAN inform you that you can be sued. They CAN tell you that they will sue you. They CAN. The only time they cannot is if they threaten to do it and then dont do it. They can tell you ANYTHING as long as they have the legal right to do it and as long as they really intend to do it. Go read the FDCPA for clarification.

what happens if you are on disabilty and these people start all this stuff can they garnish that?

Disability cannot be garnished, as far as I know, except in case like back child support, back taxes, or defaulted student loans.

Who hires this company? They called and left a message with me on my cell phone. I NEVER give out my cell number. They sound like the ghestapo. Are they a collection agency?

I talked to some guy bu the name of Faival Khan, I could not understand him either, then he connected me to some rude woman who thought she was really something. I have attained a lawyer and he said I was not to pay one dime. I haven't had a credit card for three years, so there is something not correct with this picture.
If the bill isn't yours don't pay it. He told me how low the crdit card company would go for me to pay off a bill that isn't mine and Ifound out that they would go much lower than what he said, and I'm going lower on what I pay because I didn't run up these charges. I cancelled that credit card 3 years ago. Somethings rotten in Denmark.

They pulled the same scam on me. However, can anyone out there tell me how to get them to stop calling me and harassing. I'm not working because I have been diagnosed with chronic pancreatitis and can't work, and this harassment is not helping me out at all. Thanks