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 in Maryland without your consent, you have a right to challenge the judgment. You must act quickly, as you will have a limited amount of time to do so. In Maryland debt collections laws, you can file an “Answer to Complaint” with the court in which the judgment was entered. You should also file a motion to vacate the judgment. This motion must be accompanied by legally sufficient reasons for the motion. Generally, the court will only grant a motion to vacate the judgment if it was granted in error. Examples of errors that may qualify for a motion to vacate the judgment include: failing to provide you with proper notification of the lawsuit, the collector was unable to prove that you owe the debt, or the collector was not properly authorized to file the lawsuit. It is important to note that filing a motion to vacate the judgment can be a complex legal process and it is wise to have a lawyer assist you in pursuing this option. Additionally, Maryland debt collections laws also give you the right to dispute the debt and request documentation from the collector. Finally, it is important to keep in mind that if you do not file an appeal or take other action when a judgment is entered, it may have long-standing effects on your credit score. Therefore, it is important to take action quickly if you believe a judgment was entered against you in error.

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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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