I have a judgement for a debt collection in NJ. The attorney for the debt collector said I was served paperwork at an address in NJ I haven't lived at in 12 years. I don't even reside in the state and can prove I didn't live there at the time they tried to serve me. The debt is way passed the statue of limitations for collection. yet they won the judgement because I didn't show in court. The original court case was put on the docket in NY where I currently reside. The NY judge transferred it to NJ since that's where the other party is located. I don't understand how they can win a claim against me when they couldn't serve me in the first place and why the judgement wasn't dismissed and the case reopened. I have searched NJ websites for further clarification on this law to no avail. Any help would be much appreciated!
Answer by Rebecca
Pay the Judgment because it can be renewed again and even a 3rd time in some instances. Judgments have a longer SOL for COLLECTIONS and reporting on your credit reports. If renewed just once in your case the SOL for COLLECTING is 28 years see this chart
http://www.cardreport.com/laws/judgement-sol.html
Answer by Iffy
There is NO help unless you want to spend 50k appealing the decision. The court's attitude is you know you owed the money and chose to ignore it.
Answer by CatDad
Many debt collectors have figured out that if they "accidentally" serve you at an old/incorrect address...that you'll be a no show and court, so they can therefore win a default judgment on a debt that is past the SOL.
See my answer at the following link for more info:
http://answers.yahoo.com/question/index?qid=20100216163215AAAnVBo
Answer by bdancer222
You would have to hire an attorney and have the judgment set aside due to lack of proper summons. Then you would have to claim the SOL as an affirmative defense when the creditor refiles the lawsuit.
The judgment does hurt your credit/score. But how much money do you want to spend in lawyer fees to get it set aside?
Answer by Notgonna Saywho
Move to a state that does not allow wage garnishment for something like this. Get a new job and tell them to go stick it. Texas I know is one state like this. I did this myself.
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Orignal From: Judgement on debt collection in New Jersey?
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