I, unlike many others on this message board, I DID have a credit accont with the now defunct Fingerhut. I was laid off from my job of 18 years and went back to college, thus not paying my account as desired. I had informed them that I was returning to college so that I could land a good paying job and begin paying my bills. Long story short, they "sold" my account to Jefferson Capital, LLC and from there the story gets worse. I received some mail from my bank yesterday stating that Jefferson Capital LLC now was a judgement against me and has issued a restraining order for my bank account. First, I thought that in the credit world, one must be personally served in order for a judgement to be sound. Second, if they hold my bank account (which really irks the hell out of me since I just started working), how is this legal? It's not as though I am raking in the dough with my job - I just started. I realize that I did not pay according to what Fingerhut would've liked, but most people don't plan on being laid off either.in addition, my last bill that I have from them states the balance in the vicinity of $1100. The judgement, which my bank sent me a copy of, indicates that they are holding me responsible for $2358.99. Where did THAT come from? Anyone who knows how to get this lawfirm to remove this "hold" on my bank accounts - please let me know.
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