I received a Default Judgment letter?
You are being sued. Are you using Lexington Law for debt settle
You are being sued. Are you using Lexington Law for debt settlement?? Did they make you aware this is always a possiblity, especially with Citibank? Of course, they will not represent you in court.
You need to get this account paid off or settled before your court day or your credit repair will be a waste of time. A judgement is going to tank your score big time.
This sounds like the OP was already sued and is now got a defaul
This sounds like the OP was already sued and is now got a default judgement...
To the OP: This is the first official letter you got? I find it odd that you got this letter but did not get served? You need to go down to the courthouse asap and get copies of this case and see how you were served. If you were not served properly you can get it vacated...but keep in mind they will likely just turn around and make sue you again.
Need to Vacate the Default
You need to vacate the order of default; the court already rendered judgment against you for not filing an appearance in the action.
The rules of court detail what papers you need to file to vacate or reconsider a default judgment - always less than 30 days, often less than 10 days. Hurry!