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 North Carolina, you have the right to challenge it. You may do this by filing a motion to vacate the judgment with the court that entered it. Your motion should explain why the judgment should not have been entered against you. Depending on your particular situation, it could be because you weren’t aware of the lawsuit or weren’t notified properly. The court will review your motion and may hold a hearing in which you can explain why the judgment should not stand. If the court agrees with you, it will vacate the judgment, meaning it will be reversed. This will prevent the debt collector from using it as a means to collect from you. It’s important to be aware that the statute of limitations may affect your ability to file a motion to vacate a judgment. This is a legal time limit in which a lawsuit must be brought. If the lawsuit was filed after the expiration of the statute of limitations, you may have a valid defense against the judgment. If you’re unable to vacate the judgment, you may be able to settle the debt for a reduced amount. You may also be able to negotiate a payment plan with the creditor to pay off the debt over time. In any case, it’s important to remember that in North Carolina, you have the right to challenge a judgment if you believe it was entered unfairly. It’s important to act quickly, however, in order to protect your rights.

Related FAQs

What rights do I have under the Fair Debt Collection Practices Act (FDCPA)?
What type of evidence can I use to challenge a debt collection agency?
How do I challenge a debt collection agency on the phone?
What can I do if a debt collector is misrepresenting themselves?
What is a debt validation letter?
What can a debt collector do if I file for bankruptcy?
What should I do if I receive a judgment against me?
How long does a debt collector have to respond to a debt validation letter?
What is collection defense law?
How do I report a debt collector in violation of the Fair Debt Collection Practices Act (FDCPA)?

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

Related FAQs

Related Blog Posts