Hi,
I just received a lawyer's letter offering a settlement on a default judgment against my then-wife and myself from 1993 that I've never heard of. Enclosed was a supposed photocopy of the judgment. It pertains to a loan I cosigned for her that apparently she defaulted on, but I've never heard of this 17 year old supposed judgment. I called the court and they're retrieving the info from the archives. They were able to tell me the address it was served to. I wasn't living there at that time. I remained living at the address I was at when the judgment was supposedly made for several years afterwards, have been at my current address for 9 yrs, yet this is the first I've ever heard of it. It isn't even showing on my credit report.
Do I have ANY options?
17 year old judgment
Hi Clyftun,
You should do nothing about this as this isn't showing on your credit report. This can be a scam. Can you tell which state do you live in? Judgments too come under the Statute of Limitations (SOL). Even if this judgment is authentic, the SOL may have expired. Once the SOL on the judgment expires, and if the judgment is not renewed before the expiry, it won't be legally effective anymore.
Thanks,
Aaron