Legal Recovery Law Office.
On April 18, 2013 I received a letter from an agency called uGotFICO, Inc. telling me I had a judgment against me OCSuperior Court and the case #. This company helps you with debt collectors. I told her I never received a summons or was served. She told me the dates the court has on record. She helped me navigate through the Court web site to look at the judgment. Judgment was in October 23, 2012, and proof of service July 3, 2012.
I down loaded the Judgment and the proof of service. Because I never received a summons or was served. According to the papers they turned in for proof of service not only was the incorrect house number but I haven't lived there since March of 2010.
They also had my current address, because I had received letters from them. My current address had to be in the paperwork somewhere for this other company to send me a letter. I also registered a change of address with USPS when I moved.
This is UNLAWFUL ISN'T IT? what do i do now?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.