Jennifer
Levittown,#2Consumer Comment
Fri, October 20, 2006
Maria, This sounds like a case of identity theft and you need to get an attorney. Since you say you are a single mom living in the projects you might want to see if some of the law schools in the city have a "law clinic" or something like that. NYU Law School is in the city and I believe Columbia has a law school. You really do need to check around and find some place that has legal services they can offer to low income people.
Aafes
Viernheim,#3Consumer Comment
Fri, October 20, 2006
A Levy/Garnishment has been placed on your bank account. The first thing you need to do is stop any direct deposit you have to that bank and open an account at an entirely different bank. Next. Go to the original bank. They have copies of the levy that was served on your account and should provide them to you. On the levy (it is a court order) will be a court address and case number. Go to the clerk of the court and obtain copies of the entire court file. Look for documents indicating "Proof of Service". This will tell you how and where the creditor/lawyer states they gave you notice (subpoena or summons) of a court hearing. What has likely happened: The creditor/lawyer served you at a bad address. They filed a lawsuit and your notice was sent via a process server to an address they will claim is the most recent they had for you. The process server either gave the notice to the current resident or tacked it to the door, mailing a copy to the same address. If you never had notice and if you did not reside at that address you MIGHT be able to file to have the judgement vacated for bad service.