My question involves collection proceedings in the State of: Texas
OK... I will try my best to make things brief.
On Friday, I recieved a letter from Galveston County Clerks office stating that a Default Judgement has been brought against me by LVNV.
I now know why my family was being harrased at all hours of the night... Seriously scarry stuff... a man shows up at the door (usually between 9:30 & 10:30 pm) Bangs on the door ans yells "You better come out here & get what you deserve"... seriously, we all ran and hid upstairs, contemplating calling the police. However, this is another story all together. I feel these methods are used to intimidate people into hiding... which is exactly what happened. It is not fair at all & should stop!!
So there is now a default judgement & I want to fight this. Bare with me, as I am completely ignorant to the laws in my state, or any state for that matter. I've only now had to begin researching ways to fight this.
1st) I do not reside in the county which LVNV filed suit... Is this an issue where I can motion to vacate due to lack of jurisdiction?
2nd) In 2009 I hired a company to send letters to all parties reporting negative remarks impacting my credit; LVNV was one of them. LVNV never replied to the letter, I believe they had 30 days to do so.
Once again... I believe I can fight this... I am a hard working person who honestly puts in 6 full days of work each week at two jobs just to be able to keep my family's head above water. Any help would be greatly appreciated.

