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I hope this message finds you well, present circumstances excluded. I am a licensed attorney with over a decade of litigation experience in areas like this one. It is a pleasure to assist you today.
Well, one of two things is going on here...either your identity has been stolen or your have a judgment against you on what may be a valid debt but the judgment may be invalid.
Most remember the credit cards they have used, therefore I believe this may not be your debt.
You need to send the collection agency a certified letter with a return receipt as to what they have that specifically links you to this debt. Tell them if they cannot or will not, you are going to take legal action against them.
In order to secure a judgment, an entity must first serve process on the defendant. The fact that did not happen here can invalidate this judgment.
You can file a motion to set aside the judgment against you on multiple grounds:
- Lack of Service of Process;
- Not your debt;
- statute of limitations;
- identity theft;
This can have the debt invalidated and even have your attorney fees paid back, damages and have the debits from your check paid back.
I would recommend that you hire a debt attorney in your area to file this petition or motion though.
Start first with your inquiry in writing to the debt collector and proceed from there though. You can do that yourself to save money.
Let me know if you have any other questions or comments. Please also rate my answer positively (three or more stars).
Just checking to see if you have any other questions or comments. I want you to be as comfortable as possible moving forward. Thanks