I pulled my credit report (which I do biannually). I was shocked and amazed to see that I had a judgment against me from New Century Financial Services. I have not received any information from this 'firm' and I do not know who or what they are representing. I am disgusted that a judgment could be issued against me without my prior knowledge.
I have filed a complaint with the FTC, the New York Attorney's General, the Better Business Bureau (they need to be delisted), and the Consumer Protection Agency of New York.
I monitor my credit on a fairly frequent basis, so I don't know what this is for. However, if it is for any of my previous debts, those debts reached their statue of limiations a very long time ago.
I am an educated consumer, so I am angry that this rogue organization has preyed on me...and they foolishly thought that I wouldn't find out...or worse that I would be scared and make a slip up and call or them and confirm this bogus claim. All of my friends are lawyers, and I have been receiving a lot of advice and counsel from them. I have found many websites that are useful in helping me to get this changed to a void judgment.
This one is helpful
http://www.geocities.com/presslerclub/ (Defeat Pressler and Pressler)
http://www.consumer.state.ny.us/ (New York State Protection board)
I do know that the first step to any debt dispute is a written validation, and after I collect whatever documentation from the Manhattan Civil Court I will be validating and contacting many many many more consumer protection agencies. I will not take this lying down.
I will be looking forward to hearing from consumers in the same situation as I am. Please provide any additional resources that I may use.
New York, New York