I got the letter in the mail today from the court, LVNV Funding got a judgment by default. I am pissed because
1. they are not licensed to collect debt in my state
2. The attorney failed to validate..
3. They owned the account in 2005 and put it on my credit report 2 years before they where a corporation and had a registered agent in my state.
4. they say the debt is only from 10/2006 which is the day the attorney picked it up.
4. poor filing of court papers.
5. I wrote a letter to the court explaining all of this and they failed to comply.
What the hell do I do know? I can't afford a lawyer and free legal won't help me. I am disabled and want to fight this.