My question involves collection proceedings in the State of: CA
Hello and thanks in advance.
My sister is starting to get calls from a debt collector that is trying to collect a debt from 2005. I believe it is a loan that they are saying she owes for $3,000.00. The debt collector is supposedly a law firm and is saying that they got a judgement against her and they are going to garnish her wages however, my sister has never been served nor did she go to court. She has lived at the same place since 2005 I believe and has never moved out of state. Is this possible? The debt is listed on her credit report so I assume it is valid but wouldn't the statute of limitations to collect have run out? My sister is looking into buying a house which is how she found out about this being on her credit report. Also, since it has been 7 years can she request that this debt be taken off her credit report?
Thank you for your help.