New York  |  Credit and Debt Law

Legal Question

Asked on: 5/03/13, 1:15 pm

My questions is: if an old debt is no longer showing up on my credit report but a judgement was made in court against me - is it still collectable? I am from upstate NY and the creditor is from way over 6 years ago but I found out that they sued me in 2005 and as I had moved around a lot back then I never received any notice of this in the mail or otherwise. I only just got a notice from them recently, a letter from a law office for the creditor, referencing the court case. They were very vague about if they had already taken money (I'm not missing anything from my bank accounts) or if they will be taking it some other way. I do not have extra money and the payments I could make are extremely small after I pay my monthly bills. But my question is can they still collect? I mean if it's not on my credit report and it has not been for the past 3 years because once I started to get my credit in order I always checked - can they take the money? I mean, how can you possibly prepare to pay a debt you don't even know you have? Especially when I'm not just ignoring calls and letters I'm doing everything in my power to make sure I know where my credit stands. Does the judgement from court make it still collectable? Please help, I so can't afford for some lump sum to disappear from my bank account overnight or for my wages to be garnished.

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