In order to get a judgment they have to sue you first. They must serve you a summons, THAT is your notification that you are being sued and its an opportunity to dispute their claims and go to court. If you don't go to court, they win the judgment by default.
If you've never been served a summons, then you may not have been sued. Best way to find out, besides your credit report, is to call the court and ask if any judgments have been filed.
It is possible that you have been sued and not found out about it.
In most cases, the person who sues you is required to serve you with notice of the lawsuit. There are several ways that this can be done.... obviously, the most common is for a process server or officer to put a piece of paper in your hand (personal service). After a reasonable number of attempts at personal service is not successful, the plaintiff can request an alternate service to be allowed. This usually means that the process server can serve ANYONE (not a child) who answers the door at your residence. And if that is not possible, some jurisdictions allow service by publication..... (by publishing the notice in the paper for a set number of days).
If any of the latter ones happened, you could have been sued and not know it... until someone contacts you to enforce it. BTW, a huge number of judgments (especially by individuals) are never reported to the CRA's.
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