judgement on debt

You really need to have an attorney review that if possible! It may be a legal judgement but what seems odd is that there is no garnishment ruling. At least from what you say! It sounds like you did not show up for a hearing and lost by default but that is only the judgement, not the garnishment! That would have required a deposition to determine your assetts! I am not a lawyer, it is only my opinion! I would strongly advise retaining an attorney!

Jantz, can you tell whether or not you received any notice regarding judgment on this debt? If you have not, you can file a motion to vacate this judgment. According to the Fair Debt Collections Practices Act, the creditor or collection agnecy is required to serve you a notice on the judgment, before the judgment can be issued. If they do not, you have 30 days to file the motion to vacate the judgment.

However, if you were not aware of the judgment, you can file the motion to vacate the judgment within 180 days from the date of discovery of the judgment. However, before you can do anything, first check out if the judgment has been listed there on the credit report. Also, consult an attorney regarding this judgment.