What is the name of your state? NY
I had opened up a credit card about 5 years ago for my ex wife and everything was fine. Well about a Year and a half ago, at age 60, I had an accident that left me pretty injured (compound fracture to femor and elbow and broke my hip) well i accumulated alot of medical bills but my CC's were always payed off...Well I wasn't able to work for about year...so i was using my pension fund to pay expenses ...one day I got a letter from my bank and they said that they were holding $6,400 from my account because of a default Judgement(the Judgement was in the amount of $3,200, so they were holding double... It turns out that it was the CC I opened for my ex ..well we don't talk anymore ... So I called up the credit agency (btw, I nevere got a call from them or received a letter from them about this debt) and tried to work out a payment arrangement but the woman on the phone told me to get an attorney and she would consider an arrangement... well my attorney sucks ..he doesn't call me back... the woman from the CA won't talk to me after I got the attorney(policy) I can't afford anything right now ..all I want is to either vacate the Judgement or make payment arrangements ( I need to pay back my mpension loan)...I went to the court and they said I need a valid defense to the original complaint ....Please help...BTW I was never served, they said they went to an address, which was my son's office and left paper work there, which they never did....
I had opened up a credit card about 5 years ago for my ex wife and everything was fine. Well about a Year and a half ago, at age 60, I had an accident that left me pretty injured (compound fracture to femor and elbow and broke my hip) well i accumulated alot of medical bills but my CC's were always payed off...Well I wasn't able to work for about year...so i was using my pension fund to pay expenses ...one day I got a letter from my bank and they said that they were holding $6,400 from my account because of a default Judgement(the Judgement was in the amount of $3,200, so they were holding double... It turns out that it was the CC I opened for my ex ..well we don't talk anymore ... So I called up the credit agency (btw, I nevere got a call from them or received a letter from them about this debt) and tried to work out a payment arrangement but the woman on the phone told me to get an attorney and she would consider an arrangement... well my attorney sucks ..he doesn't call me back... the woman from the CA won't talk to me after I got the attorney(policy) I can't afford anything right now ..all I want is to either vacate the Judgement or make payment arrangements ( I need to pay back my mpension loan)...I went to the court and they said I need a valid defense to the original complaint ....Please help...BTW I was never served, they said they went to an address, which was my son's office and left paper work there, which they never did....