Complaint / Review
Calvary Portfolio Services
Purchased my debt never notified me, attempting to "Revive a Judgment" and get me for the original amount plus 10 years back interest

I admit that 12 years ago, at 19, I made a poor decision to purchase a brand new car. I defaulted on the loan a year later. A year after that, it went to court and I had default judgment against me (because I was in the hospital and could not be present in court), I had a default judgment of $9,461. I did the right thing and started making payments to the appropriate parties at $50/month.

A year after that, I received a couple of my payments back. Attempted to contact the law firm and never heard from them again. So I went about my life instead of going after them. That was June of 1999

Cut to April I was served a summons at my home for a hearing of "Calvary Portfolio Services llc -vs-Jessica%" And they are seeking to revive the original judgment from 1998 (even though they were not the original holders on the judgment) and are coming after me and threatening to garnish my wages to the tune of $21,000.

I've been to court twice. I got one last continuation because the judge has made it clear that he is going to allow this revival to move forward and my last court date is July 15th. I have legal representation, but he is dumbfounded at how this past court appearance was handled. I presented my copy of the original judgment (because the original has been destroyed) and all he had to say to me was, "Well it appears that this company acquired your debt."

I was also told that they did not have to notify me when they purchased my debt and they have the right to revive this judgment against me and demand I pay the $9,000 plus 10 years interest at 9% and court costs and attorney's fees.

I asked the judge and the short, bald lawyer for the prosecution, "How was I suppose to fulfill my financial responsibility if I was not notified of the change of hands." I received this as a response: Judge: "They are not required by law to notify you."

Oh but they are allowed "by law" to sit on something for who knows how long and then come after me as though they are the original holders of the debt and then threaten me and be completely unwavering in any attempts to settle? Their idea of a "payment plan" was for me to put down $6,000 immediately and then pay $572/month for the next 36 months. Great payment plan huh?

None of this seems right.