I was incarcerated for seven years, and it seems that in 2022, debt collectors won a judgment against me. How come I was unaware of this? As of right now, the original debt is almost eight years old. And I’ve spent the last six months working and five months being released from prison. I never lived in the county where I was sued, yet I recently received this in the mail. Do you know what to do? They just sent me a notice in the mail today stating that they will begin garnishing my salary.
2 Likes
It depend, If the judgment was under $1,000 and you genuinely owed the debt, it’s best to pay it and move on. However, if it’s over $1,000, you might consider hiring an attorney, who could potentially help you reverse the judgment, especially since you weren’t properly notified about the legal action.
Many thanks, dude! More than a thousand! I work in Pennsylvania, and it states that “Wages cannot be garnished for consumer debt like credit card debt, personal loans, auto loans, payday loans, and medical bills.” Therefore, I had some time to get a lawyer because I never received one while I was incarcerated. I guess I just learned this information on Google. Nevertheless, I still get paper checks. Regards! 
Search for “free debt advice” on Google. Organizations such as American Consumer Credit Counseling can help. You might also find some pro bono lawyers nearby who can offer legal guidance. Given that 7 years have passed, you may be able to dispute the debt, as many types of debt are removed from credit reports after that time. It’s best not to contact the collection agency or the current debt holder until you’ve consulted with a financial counselor. Reaching out to them or making a payment might reset the time limit on your debt. 
I really appreciate this 
Naturally. Wishing you luck!