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Use a Debt Defense Attorney to Vacate a Debt Collection Judgment

If you discover that you have a default debt collection judgment against you, you should consider speaking with a debt defense attorney. There are options for getting rid of the debt collection judgment by having it vacated. A debt defense attorney understands that the process works like an appeal. Once you can vacate a debt collection judgment, it is as though it never existed. You may have a sound case that would lead a judge to vacate the summary judgment – and you may not even realize it. If any of the following are true, you may have standing to file to vacate a judgment – and a debt defense attorney can help:

  • You never received the legal paperwork, such as the summons or complaint, that resulted in a debt collection judgment
  • A default judgment was issued without a hearing
  • You requested verification of the debt, but the debt collection agency never sent you a validation notice, but then obtained a default judgment
  • The debt in question was so old that it was past the statute of limitations and therefore legally uncollectible, even though the collection agency obtained a default judgment
  • You had a good reason for not responding to the summons or complaint, but a default judgment was entered anyway

Once a debt defense attorney helps you vacate a judgment, he or she can provide proof to credit reporting agencies, which are obligated to remove the debt collection judgment from your credit reports.

We hope that you find this information useful, and urge you to contact us at 203-529-5100 if you’re facing a debt collection judgment or would like to speak with a debt defense attorney.