What is the name of your state? New Jersey
Hello to all.
I have a really bad situation. In 2001 my mother opened up an credit card in my name (I haven't proved it yet but I know she did from past experiences). Now I am being sued. Plus an judgement has already been made against me. Also I don't think i was able to rectify the situation efficiently due to the fact that the bills were going to her while i was in college.
Now i have contacted the lawyers that have sued me and it just appears to be a ridiculous cycle. They told me to send them a letter stating that the account is not mine. I did just that last year and thought i was clear...WRONG. I even contacted the company (Capital one Bank) to obtain the application that was used to open the account and first billing statements. I did this last year using certified return receipts and still haven't gotten an response. I even put a fraud alert on my SS number because there about 7 diff things on my credit report that I don't even know about.
I recieved a letter yesterday (6/7/05) for me to appear to some supplementary proceedings. Now i looked this up online and it appears that this would be for me to set up payments or for them to collect my debts using my available assests. Problem is that I can't attend this meeting because i will be out of town. I contacted them to inform them by email (because his voice mail was full) so I wouldnt have any problems.
Also I dont want to attend this supplementary proceedings because I think me voluntarily going would mean that I am guilty and ready to make payments. That would be unfair.
I already did one police report for charges that were made on bank card 2 weeks ago and I am prepared to file one on my mother because it appears to be an on going situation and is stressing me out. I have tried to talk to her once before and she simply ignores me by saying "kamilah, that is B.S, they can't take your money...stop being scared". She also mentioned that she will help me make payments. But I am like NO DUDE...i want this off of my credit report. However, even if I accepted her offer she would not pay. She just got about $10,000 dollars and hasn't called me yet. My mother is an con-artist. She is so good that she has been able to drive with a fake license for several years now and has basically beaten every law (so it appears).
I have saved every email, or anything that i have doen to fix this...down to the certified receipts.
I guess my question is: IS there anything that i can do that would help me? I don't have any money. I just stopped working because I injured my back on the job. So, its not like I have the money.