Consumer Protection Law
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Did you check with the court to make sure that there actually was a civil case filed against you?
How did you actually receive the summons and complaint? Was it served on you by a sheriff or process server?
Ok, just wanted to make sure that it was legitimate and not just a scam from the collectors, as they are known to do things like this to scare debtors into paying.
If you paid the debt, then the creditor would have an obligation to dismiss the case as satisfied and shouldn't proceed. However, some unscrupulous ones do if you don't respond to the summons and file an Answer.
With that said, if they did go ahead and get a judgment, then you could file suit against them for defamation and libel because they have no legal grounds to get a judgment if you have paid them.
I would check with the clerk and see if they have dismissed the case or not and if they haven't, send the clerk a letter titled Answer and state that you paid off the debt to the creditor on whatever date you did. That will put the court on notice that you are claiming to have satisfied the debt and the judge would then ask them if they tried to get a default judgment against you.
That is absolutely correct. Contact the clerk and make sure that they haven't filed a motion for default judgment. Even if they have, file your Answer.