breezy2 Posted August 22, 2012 Report Share Posted August 22, 2012 I have been trying to clean up my husbands credit so we can re-fi. I misunderstood how to do a credit validation and sent to to the Big 3. All three took a couple things off his report. In the meantime I had sent a settlement offer to one of them, to which I got no response. I really did not think it would not be validated. Was very happy that it came off, giving us the go ahead. Well today my husband brings home a garnishment form they has sent to his employer with my name on it. From what I can tell the employer told them I was NOT their employee so they would not garnish. What should be my next step? could they put it back on my husbands report after it being removed? Link to comment Share on other sites More sharing options...
racecar Posted August 22, 2012 Report Share Posted August 22, 2012 You need to check your local courthouse for both your names to see when they got the default judgement against you.Were you ever served and did not show for court? Most courts are on-line if not,go down there and get a copy of your file.Creditors can only garnish with a judgement. Link to comment Share on other sites More sharing options...
breezy2 Posted August 22, 2012 Author Report Share Posted August 22, 2012 Yes we were sued by Northstar Financial in 07. The original creditor was Wells Fargo, who charged off. Never went to court, was clueless about such things. Now this garnishment is from another party, LVNV Funnding LLC. But it is some "lawyers" who are doing this. Link to comment Share on other sites More sharing options...
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