I really ned help here I am the victim of identity theft, I joined the Fnited States Marine Corps in 1997 when I waa 17 years old. When I left home I didnt have any accounts or even a license in my name. I returned home 4 years later I got my own place and tried to get elctricity in my name and was told I had an outstanding balance that must be paid. This was the first of many fradulent accounts, someone got phone services, cable services, a checking account and even got tickets in my name while I was away. They got ahold to my info b/c my mom moved while I was gone and left out birth certificates and SS cards in the house by mistake in a little box she kept hidden away. Well my license that I never obtained was suspended and I owed almost everyone. Well I went straight to work I placed a fraud alert on my credit report, filed police reports, went to court to get my license back once I proved to the judge I wasnt even in the state those cases where therew out. But for some reason two companies refused to budge.Both companies had sold my debt to a company called CFC Financial I contacted this collection agency and provided them with proof that I wasnt even in the state and I even gave them copies of all police reports. That was in 2002 in 2004 I recieved a letter from a company called Asset Acceptance . They stated they where collecting on the debt from the phone company. I explained everything to them and went over the whole story. I asked for their fraud separtment but they told me I would have to just see them in court for the debt. This debt is a phone bill that soemeone obtained in 1998 the bill is a total of $2,154 now how can a phone bill be that much I dont know. I asked for proof of the original debt but I was never sent anything. In October of 2005 the company garnished my wages, they obtained roughly $900 before the garnishment ran out. I sent a letter to the court objecting to the garnishment and was told I could not object on those grounds they said it was not their job to determine the validity of the debt just to enforce it. They advised me to get a lawyer. NOw I am a single mother of two and I cant afford a lawyer just to get rid of a debt. I contacted Our local Legal Aid and was given the run around no one would call me back so eventually I said foret it. The garnishment had stopped so I decided to try again with the company. I contacted thema nd they told me to set payment arragements other than that they knew I owed the money. Now a year later they are garnishing my wages for the rest of the money. Come to find out CFC Financial and Asset Acceptance is the same comapny I found that out placing a complaint on ripoffreport.com Now I have debts of my own that I am struggling to pay. I am not a saint and my credit is not A-1 but I dont want to pay a $200 phone bill that I dont owe. And isnt there some type of time limit this debt iss 8 years old. Isnt there some type of statue of limitations on it ??? Why wasnt I notified to come to court during the judgement so I could have proved the validity of this debt? Is there anything that can be done now without an expensive lawyer. This garnishment is 25% of my wages. With 2 kids that I am taking care of alone , and my own debts I am drwoning. Someone help !!!!
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