I was sued by Palisades and did not go to the court because I wasn't informed of the date. They say that they sent me notices in the mail certified and that I signed for them. At the time I had to abandon my home because I was 8 months pregnant and fleeing my abusive ex. (There are court papers documenting the Protection From Abuse order). I had a friend checking my mail for me, but I don't recall ever signing for anything. Again, I only don't recall this, it's possible I did and just don't remember, I didn't really open much of the mail that was coming to me. I sifted through it and didn't find anything, but in a recent credit check and background check for my new job the lawsuit came up. A default judgment was issued for a debt that I don't owe from AT&T because for one, I NEVER HAD AN AT& T phone!!! So now my promotion is being held up because of this and I just don't know where to start! Do i contact Palisades? AT&T? The court? A lawyer?? Who do I contact??!?!? The debt is for a cell phone account opened in New Jersey. I now live in Pennsylvania. The AT&T account was opened in 2003 I think. The File date for the lawsuit was June 9th 2008 and the judgment date was 8/22/2008. I'm not sure I understand the SOL laws because the account is in NJ and I now reside in PA. They are saying that I owe upwards of 1100 dollars!!! Can anyone help or point me in the right direction??
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If you were sued by Palisades, you would have received a court summon and you are required to file a response to the summon. You will receive a court date only after filing a response to the summon else the creditor can bring a default judgment against you to recover the debt.
SOL on debt applies to the state where you have signed the loan agreement and the SOL on judgment will apply to the state where you have received the judgment.
I think that you should pull out a copy of the judgment and check the amount for which the judgment has been brought against you. Next, you should contact your creditor and come to a repayment agreement and pay it off, else the creditor can garnish your wage or your bank account to recover the money.
You could have filed a motion to vacate the judgment, but the motion should have been filed within 1 month of receiving the judgment.