My question involves a judgment in the State of Ohio. I was a victim of crime from a debt elimination company that was prosecuted and sentence to prison for fraud. They stated they could legally eliminate credit card debt in lieu of filing for bankruptcy and get an arbitration award in my favor. After the prosecution, I found out the bases of this company was that they could eliminate credit card debt based on loopholes in the banking laws.
This was back in 2004 when I entered in the debt elimination program and since then, I had to go to court "pro se" (as I had no money for lawyer), as I was sued by a law firm that stated they were represented by the credit card company when I tried to confirm the arbitration award with the courts. I kind of find this hard to believe as my account was charged off by the credit card company in 2004 and it moved around 4 times to different collection agency. I never did see the retainer showing the law firm was actually hired by the credit card company and thought they were just another collection agency. Would this be included in the transcripts from the court hearing as I am going to buy this?
Back in 2005, a Judgment was issued against me, but to this day, my credit card only showed a charge off from the credit card company, which has fallen off my credit report as its been 7 years, plus there has never been any remarks on my credit report of a Judgment, nor has the law firm collected on this judgment via garnishment, liens, etc.
My main question is, what is the SOL for the law firm to confirm the judgment or if they even have to, as I am assuming they would have to validate this judgment in the courts? I have read online that judgments can last for 21 years, but again, does this need confirmed/validate to make it legit first?
I work for the government and even though I have been employed since 2007, that my credit score is excellent, never been late on any payments (mortgage, car, utilities, school loans, etc.) and that I have provide documentation of me being a victim of crime, the government is saying that this debt is still mine and that my trustworthiness has raised questions, that I have not made a good faith effort to pay, settle, resolve this debt nor have I shown any documentation that I have been relieved of this debt and I need to provide proof of this or I will lose my job...
Should I get the transcript to see if the judgment is valid and/or should I just call the law firm that was awarded the judgment to settle this debt? I am kind of scared to stir up a honest nest with the law firm as the judgment was for $29,656.96 ($15,723.89 to credit card company & $13,193.38 to law firm for civil contempt) and if this judgment isn't valid, then why call...
Another thing is that the law firm sent me the judgment paperwork, but this never had the judge signature on it, so can someone PLEASE provide me with my options as I do not wish to lose my career as I have 60 days from 08/09/12 to resolve this.