Pressler And Pressler this company file a judgement against my 61 year old mother for a 14 year old credit card debt. they supoena her and said her house was levy. my mother not even sure she had a credit card back in 1994. what should i do. should i send them her information Cedar Knolls New Jersey

do not call or pay them..

go to court and file a motion to vacate judgement..

you will get a day in court to explain everything.

Therefore, you will need to contact the court and find out the docket number, etc. I would suggest you personally go to the courthouse and get them to pull the file. Then have the pro se division help you to file a Motion to Dismiss/Summary Judgment due to the statute having been tolled. Please note, however, that the date of last payment on the credit card has to be over 6 years old.

While you are there, also file a Motion to Quash the Subpoena. Again, get the pro se division to help you.

This is A DEBT SCAVENGER!! They take old debts and bully someone into repaying them. In MOST states, the statue of limitations is 7 years. Check with your state. Then do these things: (and record them!)

1) Notify the company that you are requesting validation of the debt.

2) Log every time they call. Get names, extensions, times, etc.

3) It is ILLEGAL to threaten or harass a debtor. Remind them of that.

4) Lastly, advise them that if they would like to go to court to place a levy on your property, then tell them to proceed. If this is what it sounds like, they will NOT be successful.

Keep in mind that they are counting on you being too scared to do any investigation on this.

before you did a little research. Even if your Mother did have a credit card in 1994, the statute of limitations should have expired for collecting that debt. You need to do some research on validating debt and how to inform them that they can't come after your mother for a debt that is beyond SOL. Have your mother check her credit reports to see if they have placed a collection account on her report. If you feel you HAVE to call them again, make sure you record the conversation. Check the laws in your state and find out if you can record without their permission. If the law says you can't, then turn on the recorder and tell them you are recording. DO NOT give them any bank account or credit cards numbers and DO NOT sign any letter that you send (make sure you send everything certified mail, return receipt requested). Have your mother type her name or print her name in block letters.

I'm sure Steve or Robert who post on this site can help you out a little more on this.

Good luck.

Send them a letter and make them prove it is owed. These lowlife scum probably don't have a valid claim against your mother because they are liars and rotten thieves. They cannot take the house so that is stongarm tactics on their part. You don't say the type of information they are seeking but DO NOT give them any bank accounts, credit card account information, or any other personal information like this that can be used by these sleazy bottom feeders. My advice is to seek an attorney through naca.net, which are consumer protection attorneys that you can find in your area. Make sure you tell the attorney about them saying they will take the house. I know they would appreciate that since is it is harrassment. If there is a court date, definitely show up and provide to the court a copy of your letter seeking information because she does not owe this. They would prey upon her memory in court because you say she she doesn't think she does owe it and that's why I say it is advisable to obtain an attorney for this. Good luck and keep us posted via this thread.