What can I do if a debt collector has obtained a judgment against me without my consent?

If a debt collector has obtained a judgment against you without your consent in Delaware, there are several legal options available to you. Depending on the specific circumstances of your situation, you may be able to have the judgment thrown out or reversed, negotiate a settlement, or make an appeal. One option is to file a motion to have the judgment vacated. The court will require you to prove that you did not receive notice of the debt or the lawsuit in time to defend the case, or that the court did not have jurisdiction (legal authority) to hear the case. If the court grants your motion, it will vacate (nullify) the judgment, and the debt collector will have to start the whole process again. Another option is to negotiate a settlement. If the debt is valid, you may be able to negotiate with the debt collector for a lower payment amount or even a payment plan. If you can come to an agreement, make sure to get it in writing and keep a copy for your records. Lastly, if you believe that the judgment was issued incorrectly, you may be able to make an appeal. You must file an appeal within 20 days of the judgment being issued, and you will need to prove to the court that the judgment should not have been issued. No matter what option you choose, it is important to contact a qualified attorney experienced in debt collection law in Delaware to discuss your legal options. An attorney can provide you with personalized advice and help you determine the best course of action for your situation.

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What can I do if a debt collector has obtained a judgment against me without my consent?

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