Legal Question in Credit and Debt Law in Virginia

Re: Judgement Against Me - Credit Card Co.

This sounds a bit fishy. You might consider having an experienced consumer rights attorney look at this.

Re: Judgement Against Me - Credit Card Co.

There are three aspects of this that occur to me: First, it might not be you. They might have obtained a judgment against someone else with the same name, and THEN went looking for this person. They might think it is you, but the judgment is against someone else instead.

Second, you ask how can they get a court judgement against you (a) without you knowing about or (b) if you have not missed any payments. Well, the answer of course is they CANNOT, legally.

Third, however, it DOES happen... all the time. How is that? They may file a lawsuit against you at an old address, where you don't live any more. So they could have mailed and "served" the lawsuit at your OLD address (posting it on the door). You did not go to court, because you did not know about the lawsuit or court date. Then because no one showed up on your side, the court would give them a court judgment for anything they asked, even if it is wrong.

Assuming that there is a court judgment against you, not someone else with your name, you have to go to court and move to have it VACATED.