I assume, Javich, Block & Rathbone represent Arrow Financial Services-who represents a credit card company. This is complicated (to me anyway), but I will try to type this in a way that makes it understandable.
There was an attempt to garnish my wages by arrow financial services (who is collecting for a credit card company) in Nov. 2007. I was unaware there was a default judgment against me, which apparently took place in May, 2007 (my place of residence had changed). Anyway, when I received a call from my employer to tell me they were going to garnish my wages, I called the county clerk and told her my situation. With the help of many people here, I sent a letter and asked the judge for a continuance so I could represent myself. He agreed (The Judge), I went to court, The Judge dismissed the case because "The Plaintiff (Arrow) failed to notify the Defendant (Me) of the impending garnishment as required by law." "Therefore, the garnishment is not proper and the Clerk is hereby ordered to release the garnished funds now being held by the Clerk to the Defendant."
In Dec., 2007, I received a letter from Javich, Block & Rathbone, this letter stated they represent Arrow Financial Services, LLC. The letter stated that "their client has a judgment against me for the amount of $xxxxxx plus court costs & interest, blah blah blah. They want me to call them, and give them my phone number so we can resolve this matter. Ummmm no. Anyway, I immediately sent them a validation letter, and received this response yesterday, basically, this is what their reply was:
My time expired to get validation under the fdcpa, and
they received a judgment against me in May 2007, and they enclosed a copy of the judgment.
I really don't know what to do, is there anything I can do. This is a HUGE amount of money they want from me, I live alone, and can barely make it working two jobs now! I am still recovering from a very serious illness, it's all I can do now to work two jobs. HELP!! :shock:
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