I have a question... I just pulled my credit report and saw where Pallisades had received a default judgment against me for $18,000. I went to the court house and obtained a copy of the judgement. I was never served. The address that they have listed is an old address from 5 years ago... The paperwork indicates they did a "constructive service" someone signed for the paperwork, supposedly my sister-in-law named Justin Carmichael. I don't have a sister-in law. My only brother lives in PA and has never been married. I will assume they fraudulently filled in a fake name. They also signed the paperwork stating they verified I was not in the military or reserves... (I definitely was in the reserves during this time). In addition, the $18,000 was the orginal amount for the car... I paid on that car for several years, so I know that was not the balance. When the car was repoed, I received paperwork informing me it was sold at auction in aug 03. They should have deducted the amount of what it was sold for. In Feb 07 is when it showed up on my account as though it were a new active account with pallisades that I just opened. I believe the attorneys are actively participating in this fraudulent behavior... What options do I have?