Judgment Discovered after obtaining Credit Report
Date: Tue, 01/26/2010 - 20:48
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 and never saw any letters from a "Credigy Receivables" at all.
I obtained the entire case file from the court and my name on the Judgment is correct, however, all "two" of the addresses listed where I was served were totally way off. In addition it listed that the served letter was left with a "co-occupant" at one of the wrong addresses whose name I never even heard of.
Then on Jan 15th, 2010 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. I did verify their name as one of the most recent plaintiff's named on the Judgment who bought the case from a previous plaintiff/collector(s).
Then now on Jan 25th, 2010 I received a letter "DEPOSITION OF SUBPOENA FOR PRODUCTION OF BUSINESS RECORDS" from an attorney referencing they represent Gryphon Solutions requiring copies of paycheck stubs, bank statements, etc for a current credit card account I have which has been paid to date and in good standing..the letter lists my accurate social security number for the first time in all documents ever received pertaining to this case and Judgment, and references a current credit card I have and the date it was opened...WHAT DOES THIS CURRENT ACCOUNT HAVE TO DO WITH ANYTHING or past debts?? I believe they obtained this info
(current good standing credit card, social security number, current accurate address) from a recent credit report as my credit reports indicate they made the inquiry sometime 12/2009.
So my questions are: 1.) perhaps my Judgment may be for the wrong person as none of the addresses served were correct (my credit reports clearly indicate all my accurate previous addresses). What can I do to get this removed or resolved?? **If for some reason the Judgment is correct, I was served at wrong addresses and didn't find out until now, what can I do then??
2.)Re. the Gryphon Solutions offer to settle, why would they send me an offer one Jan 15th (offer expiration date of Feb 11th) and then later send a subpoena for records on Jan 25th (respond by Feb 22 date)??? Are they trying to get me to settle based on their offer?
**And why are they asking to subpoena information for an unrelated account, one that is current and paid in good standing??
Thank you for reading this case in detail and please do offer your suggestions and relevant legal course of actions.
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 and never saw any letters from a "Credigy Receivables" at all.
I obtained the entire case file from the court and my name on the Judgment is correct, however, all "two" of the addresses listed where I was served were totally way off. In addition it listed that the served letter was left with a "co-occupant" at one of the wrong addresses whose name I never even heard of.
Then on Jan 15th, 2010 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. I did verify their name as one of the most recent plaintiff's named on the Judgment who bought the case from a previous plaintiff/collector(s).
Then now on Jan 25th, 2010 I received a letter "DEPOSITION OF SUBPOENA FOR PRODUCTION OF BUSINESS RECORDS" from an attorney referencing they represent Gryphon Solutions requiring copies of paycheck stubs, bank statements, etc for a current credit card account I have which has been paid to date and in good standing..the letter lists my accurate social security number for the first time in all documents ever received pertaining to this case and Judgment, and references a current credit card I have and the date it was opened...WHAT DOES THIS CURRENT ACCOUNT HAVE TO DO WITH ANYTHING or past debts?? I believe they obtained this info
(current good standing credit card, social security number, current accurate address) from a recent credit report as my credit reports indicate they made the inquiry sometime 12/2009.
So my questions are: 1.) perhaps my Judgment may be for the wrong person as none of the addresses served were correct (my credit reports clearly indicate all my accurate previous addresses). What can I do to get this removed or resolved?? **If for some reason the Judgment is correct, I was served at wrong addresses and didn't find out until now, what can I do then??
2.)Re. the Gryphon Solutions offer to settle, why would they send me an offer one Jan 15th (offer expiration date of Feb 11th) and then later send a subpoena for records on Jan 25th (respond by Feb 22 date)??? Are they trying to get me to settle based on their offer?
**And why are they asking to subpoena information for an unrelated account, one that is current and paid in good standing??
Thank you for reading this case in detail and please do offer your suggestions and relevant legal course of actions.
Well, since the judegement was entered ten years ago, you might
Well, since the judegement was entered ten years ago, you might have lost all rights to contest it now. IMO you must call the attorney and check out your options.
