Collection of a judgement
I had a credit card when i was 20 I am now 26. My problem is that the limit on the card was only $250 and now I owe $1064. It was sent to court 3 or 4 years ago without a notice given to me. Got a judgment put against me for the amount of $862. I called about a year ago and talked with NCO and tried to set up a payment plan. In that process i tried knocking down the amount owed and got 3 different amounts from the guy. Also found out from this guy(who is an A$$) that he makes a commission from the amount he gets from me. Let me tell ya I was ticked!!
Also When searching with this debt it was bought and sold 2 different times. On my credit report it still shows with the original credit. So I was searcing and found it through capital one. They said they did not have it on file so i had them remove it from all three credit reports and was done successfully. Then it was back 1 year later. Then I called again and did the same and it worked. They removed it again. Well of coarse it showed up again. Now I just want to clear it but NCO is difficult to work with?
And can this be reported more than once as I had it removed 2 times.
Should I fight this with a lawyer even though I was not at the hearing for the judgment against me.
And living in a different state does that change anything?
Should I get a lawyer and fight the amount owed?
Is that a lost cause considering that it was in Michigan where i had opened the account?