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  1. I just recieved a letter from KRAMER CREDIT SERVICES LLC. It is a wage attachment and need to appear in court. The last name it uses I HAVEN'T HAD IN 14yrs... It does not state what the $ is from or who they bought my debt from. I have not had a credit card in 18yrz, never over drafted at abank..... I am a single mother barely making my rent and can't comprehend what this is or how they can take me to court or take what little funds I make. It says if I do not appear they will automatically garnish my wages. I was told that SOL can be reset if I contact them. I am terrified and confused... ANY HELP IS SO APPRECIATED!!! Not sure if I can but I am going to try and attach actual letter. I live in RI and only used that last name while living married in Maine.