Think I'm being sued...
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|Wed, 08-22-2007 - 10:25pm|
I have received two different letters in the last two days from attorneys claiming that "according to public records" I am being sued for one of my past medical bills. They include which court it is in and a case number. The letters aren't from attorneys claiming to represent the party who is suing me but they are fishing for business in case I decide to file bankruptcy. Apparently, they spend time scanning public records looking for their next potential clients. Anyway...
Anyway, I haven't received anything official from the court or anybody else for that matter. I haven't been "served" with anything. This is for a medical bill that I have been trying to make monthly payments on. Some of you may remember that the original creditor turned it over to their collections people and they were calling me at work and even sent a letter threatening to continue to call me at work if I didn't talk to them. I sent them a debt validation letter and heard nothing else from them. So I have sent another payment to the original creditor. My guess is that the collection company got pissed when I sent them the validation letter and recommended to the original creditor that they take further action (this is something else the rep that called me at work threatened). Anyway, the total debt is only about $535.00.
So what should I do? Contact the court and find out if a court date has been scheduled? I've heard that sometimes they will claim you were served, set a date that you don't know of and then when you don't show, you have an automatic judgement against you because you weren't there. I have my copies of the letter I sent to the collection agency (certified and return receipt) as well as record of the payments I've made this year. I admit I missed a couple of payments but I'm doing the best I can (I'm recently divorced, raising 3 young children (one with special needs) on my own). Can they garnish my wages without a judgement against me or without my knowing about the judgement first?
Any advice would be GREATLY appreciated!