Hi Nelly, Thanks so much for answering my last qu

Sending a debt validation after you've had a judgment against you is a waste of time. You may be able to get the judgment vacated for improper service (since you were never served the summons). Do you dispute the debt? If they have a judgment against you they can levy your bank account at any time for either the full balance in your account or the full balance of the debt you owe, whichever is less.

Hey thanks for response...but am I not to late to file a judgment to vacate for improper service? Is there a SOL on judgments?

I'm assuming, from your name, that you're in NV? If not, I need to know what state you're in because SOL varies by state. If so, the SOL for a judgment is 6 years. However, judgments are renewable. This means the judgment can be renewed, indefinitely, until it's paid in full. Are you employed? If your wages aren't being garnished and your only concern is your bank account, you can take steps to protect your money but, ultimately, if you owe the money, you should pay the debt. If you're unsure if you owe the money, then you should try to get the judgment vacated and get the debt validated.

Yes, I am in Nevada. I see that the SOL is 6 years and it can not be renewed. I would like to verify that it is my debt before I settle with them. I am not employed and there is nothing in my account...but I am married and my husband is employed. I own a car, but I never removed the previous lien holder off the title in fear that the ppl that is suing me will take my car. I look online and there was a time limit to do a judgment of vacate, 6 months after the fact.. Is there anything I can do to validate the debt?

If you already have a judgment against you and it's that far past the time to petition the courts to vacate the judgment, likely not. The only thing you may be able to do, if it hasn't been paid for by then, is to petition to vacate when the creditor tries to renew the judgment.