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Hello everyone. I am new here. Please, help me out. I had a judgment against me in 2008. Not only I was not served properly, they simply dropped off the package by the door at the address I have not been living for years (I found out about it by pure accident when one of the neighbors who happened to know me told me about some package several weeks later) but the item they sued me for was not even mine. I had filed an Identity Theft report and two police reports of stolen identity. I have notified all credit bureaus. I also notified the creditor in writing that I had an extensive fraud on
I've made some mistakes in the past, who hasn't?! I recently contacted the bank I owe a balance with a credit card and loan. The debt was charge off July 2009. My plan was to workout some type of deal with the original creditor, but the creditor referred me to CU Recovery the collection agency they deal with. Per the rep I spoke to the bank wants over $6000 when I only owe 3200 because of added interest plus the rep claims I was sued over the debt so I have to pay for that as well. I requested a settlement to 3500 along with a pay to delete. She said the creditor isn't going to honor and not