Calvery Portfolio Services, Sprint, BAD PRATICE CALVERY PORTFOLIO HAWTHONE New York

GEE,

First of all, nobody can just get a judgement against you and/or freeze your bank account without first suing you and winning. This is where you nail them.

1. Go to your bank immediately and get every piece of paper they have that caused your bank account to be frozen.

2. Go to your local courthouse and get copies of everything filed in your case from day one.

3. Get copies of all 3 credit bureau reports showing the collections activity and judgement, etc.

Now, with all of this in hand, do the following.

1. Check the "proof of service" . This is where they swear on a legal court document that they served you a summons when you were sued. Check the address. Most likely you will find a bogus address or a very old address.

They have most likely engaged in "sewer service" where they knowingly serve an old address where they know you will not respond, which allows them to go for the default judgement. This is illegal, by the way.

If they did "serve" a bad address you should immediately file a bar association complaint against all lawyers involved, and file a complaint with the FTC at ftc.gov for the illegal collections activity, and go visit the DA and seek criminal fraud charges be filed.

Now, with this done, retain an attorney to file a motion to vacate the judgement, and to sue them for your damages.

The credit reports will show your current address which is your proof for the case, as they knew where you banked, so they certainly had access to your current address. It is easy to prove fraud.

Don't let these punks get away with this. It is a common scam they pull. To find out more about them and collections in general go to budhibbs website.

Good luck!