Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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If they obtained a judgment against you that they are now trying to collect upon and they have already seized the money to satisfy the judgment from your bank accounts, you need to file an objection in the court to this new action and present the evidence that they have seized their money from your bank accounts and that you should not owe them any further money.
You will need an attorney to fight this and I know you said you cannot afford one, but at this point you cannot afford not to have one, because you not doing anything about this over all these years has caused the problem. If you cannot afford an attorney you need to go to legal aid in your city and seek assistance from them and also call the state bar and ask them for the pro bono attorneys in your area for assistance.
The attorney will look at the judgment to see if it has been properly renewed every 5 years for them to continue pursuing it. The attorney will also need the proof from you of the money that was seized from your bank when it was taken. The attorney will also examine your assets and debts finally (if all else fails) and see if bankruptcy would possibly help you in getting this matter settled finally.
However, you do have to go to court to fight them and if you cannot afford an attorney, legal aid and the state bar pro bono program are your options to find a lawyer to do so. The only other option is contacting their attorneys and negotiating some type of final settlement with them to end this matter.