Greetings- I have some unpaid credit card debts stemming back 10 years ago and since receive the occasional 'collection letters' from various companies who bought off the credit card debts from the original credit card companies. Most recently I just requested my credit report for the first time and found out from the credit report I have no "collections" actions,etc. but under "Public Records", I have a Judgment on my account filed 11/2005 with a local court and the fee amount of $7,000 from Plaintiff: Credigy Receivables. Over the years I never received any notice from anyone regarding this. It may or may not be correct, so my first question is what should I do from here to get this resolved or even removed from my credit report? The other question-today I received a letter from a Gryphon Solutions referencing the above Judgment and stating that they have the authority to resolve my account in full for $956. Is this a fraud or is this legitimate, and what should I do, take the offer or find a lawyer?? (what type of Lawyer can best help me in this situation??) Thanks for your time and replies I was able to find the case by case number as referenced by Gryphon Solutions on the local court website and have copied and pasted it below, I will also try to attempt to obtain the full case file from the court and keep everyone posted: Case Information Associated Cases Number: XXX-CV-XXXXX Title: Credigy Receivables, Inc. XXXX Category: Collections - Limited Filed: 8/24/2005 Disposed: 11/30/2005 Status: Post Involved Parties Type Name Disposition Plaintiff Credigy Receivables, Inc. None CV-BT EntryReqDism-No ADR Attorney: Donald R. Stebbins Mann Bracken LLP , 2325 Clayton Road, Concord, Ca 94520 Defendant XXX None CV-BT EntryReqDism-No ADR Assignee Gold Line Credit Holdings, Llc None None Attorney: Michael K. Sipes Michael K. Sipes Law Offices , 3050 Fite Circle, Suite 107, Sacramento, Ca 95827 Assignee The Gabriel Group, Llc None None Calendared Events Date Time Event Description Result Notice Printed Reset Description By Date To From 3/28/2006 03:00PM CV CMC-Case Management Conf CMC vacated; Jgmt before CMC K 11/30/05 None None None Documents Number-Sequence Document Description Filed Ruling Date 0013-000 Cv Assignment Of Judgment 12/04/2009 None 12/04/2009 For: The Gabriel Group, LLC / ASG 0012-000 Cv Abstract Of Judgment Issued 05/12/2008 None 05/12/2008 For: Credigy Receivables, Inc. / PLT Against: XXX / DEF 0011-000 Cv Substitution Of Attorney 04/15/2008 None 04/15/2008 For: Gold Line Credit Holdings, LLC / ASG 0010-000 Cv Assignment Of Judgment 04/15/2008 None 04/15/2008 For: Gold Line Credit Holdings, LLC / ASG For: Credigy Receivables, Inc. / PLT Against: XXX / DEF 0009-000 Cv Abstract Of Judgment Issued 12/21/2005 None 12/21/2005 For: Credigy Receivables, Inc. / PLT Against: XXX / DEF 0008-000 Cv Judgment After Default 11/30/2005 None 11/30/2005 For: Credigy Receivables, Inc. / PLT Against: XXX / DEF 0007-000 Cv Reqismissal, Partial W/O Prej 11/15/2005 None 11/30/2005 For: Credigy Receivables, Inc. / PLT 0006-000 Cv Default Entered 11/15/2005 None 11/30/2005 For: Credigy Receivables, Inc. / PLT Against: XXX / DEF 0004-000 Cv Proof Of Svc Compl/Pet/Summons 09/23/2005 None 09/23/2005 For: Credigy Receivables, Inc. / PLT Against: XXX / DEF 0003-000 Cv Summons W/Proof Of Svc 09/23/2005 None 09/23/2005 For: Credigy Receivables, Inc. / PLT Against: XXX / DEF 0002-000 Cv Complaint Filed/Summs Iss <$10k 08/24/2005 None 08/25/2005 For: Credigy Receivables, Inc. / PLT Against: XXX / DEF 0001-000 Cv Case Cover Sheet 08/24/2005 None 08/25/2005 For: Credigy Receivables, Inc. / PLT Against: XXX / DEF
Welcome to the forum equinox. Judgments can be difficult to dispute and get removed from your reports because they are public record and easily verifiable by the CRAs. That said, if you were never properly served, you may have a chance to get it vacated. I would recommend reading up on your state's rules and procedures for filing a motion to vacate, and then deciding if you feel like you can handle all the paperwork or would rather find a good lawyer that specializes in consumer protection, debtor/creditor or bankruptcy law. Also, I wouldn't pay anyone anything until you figure out what went down with the judgment you have against you. If it's legitimate, then determine who your rightfully owe and negotiate payment directly with them. Don't be too quick to jump at a settlement offer from someone out of the blue.
I have some unpaid credit card debts stemming back 10 years ago and since receive the occasional 'collection letters' from various companies who bought off the credit card debts from the original credit card companies. Most recently I just requested my credit report for the first time and found out from the credit report I have no "collections" actions,etc. but under Public Records, that I have a Judgment on my account filed 11/2005 with a local court and the fee amount of $7,000 from Plaintiff: Credigy Receivables. Over the years I never received any notice from anyone regarding this and never saw any letters from a "Credigy Receivables" at all. I obtained the entire case file from the court and my name on the Judgment is correct, however, all "two" of the addresses listed where I was served were totally way off. In addition it listed that the served letter was left with a "co-occupant" at one of the wrong addresses whose name I never even heard of. Then on Jan 15th, 2010 I received a letter from a Gryphon Solutions referencing the above Judgment and stating that they have the authority to resolve my account in full for $956. I did verify their name as one of the most recent plaintiff's named on the Judgment who bought the case from a previous plaintiff/collector(s). Then now on Jan 25th, 2010 I received a letter "DEPOSITION OF SUBPOENA FOR PRODUCTION OF BUSINESS RECORDS" from an attorney referencing they represent Gryphon Solutions requiring copies of paycheck stubs, bank statements, etc for a current credit card account I have which has been paid to date and in good standing..the letter lists my accurate social security number for the first time in all documents ever received pertaining to this case and Judgment, and references a current credit card I have and the date it was opened...WHAT DOES THIS CURRENT ACCOUNT HAVE TO DO WITH ANYTHING or past debts?? I believe they obtained this info (current good standing credit card, social security number, current accurate address) from a recent credit report as my credit reports indicate they made the inquiry sometime 12/2009. So my questions are: 1.) perhaps my Judgment may be for the wrong person as none of the addresses served were correct (my credit reports clearly indicate all my accurate previous addresses). What can I do to get this removed or resolved?? **If for some reason the Judgment is correct, I was served at wrong addresses and didn't find out until now, what can I do then?? 2.)Re. the Gryphon Solutions offer to settle, why would they send me an offer one Jan 15th (offer expiration date of Feb 11th) and then later send a subpoena for records on Jan 25th (respond by Feb 22 date)??? Are they trying to get me to settle based on their offer? **And why are they asking to subpoena information for an unrelated account, one that is current and paid in good standing?? Thank you for reading this case in detail and please do offer your suggestions and relevant legal course of actions.
