OK I wish I found this site before now, but I never really looked, so here is what has happened to my wife and I...
First this is in regards to a Target charge card that was charged off and long been off my wifes credit, I would say it is a 8 or 9 year old debt.
My wife may have accidentally made a $10 payment to them about 2 years ago, she though when they called that it was another account!
We were served by a process server some time about last August ('07) The paperwork looked bogus and we paid no attention to it... It said something about we needed to go to the local court and file a response.
Well seeing no sort of seal (stamp) and only a notary from an employee of their own, and that it said something at the very end of the paperwork, the very last line even under the signature of the staff attorney said "THIS COMMUNICATION IS FROM A DEBT COLLECTOR" So again I saw that as another reason to believe it was bogus.
Well since then I received a letter saying the got a default judgment... Again not looking like anything legal I did nothing about it.
Well now we just got a letter again not looking legal but saying "Writ of Garnishment of earnings and summons" Again not looking legal, the "Filed" stamp is dated Nov 1,07. It was mailed to my Old PO Box and forwarded to my new PO Box... Postmarked 2/22/08, and forwarded that day too (somehow)
So back to the paper details...
It does have my wifes accurate employment info, It does say "garnishee shall answer within 10 days, exclusive of the date of service..." What do they mean, was this a serving via PO Box with no signature or proff of service by mail notice?
Anyways, it looks like what they are looking to do is to get permission to garnish wages, this of course got our attention, but again no real legal looking stamp or seal, so I have a hard time believing it... But sorta don't want to find out after half my wifes check goes to them.
Any advice besides get a lawyer which I can really afford?
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