I have found additional letters from debt collectors on the same account that Unifund Partners filed a judgment on me. SOL had run out when they got the judgment. I had credit protection insurance on the account. This has not been on my credit report nor have I received anything from a creditor since 2003. Unifund states they bought from original creditor but i have found two documents where debt collectors had it first. 0ne is showing about that Unifund claims that was owing on credit card. I HAVE ASKED FOR VERIFICATION but they ignored me. I am also a fraud victim on my credit reports. Is there anything I can file with the court? May I talk with a judge?
A debt account can be bought and sold, and the fact that your debt passed through several hands before landing with the present collection agent is irrelevant.
I am confused by the chain of events in your message. You stated that a collection agent "filed a judgment" on you. I do not know what that means. Does that mean that the collection agent filed a lawsuit against you? Or do you mean that the collection agent OBTAINED a judgment from a court regarding this debt?
If the statute of limitations has passed on the debt, the collection agent has the right to file a lawsuit from you to obtain a judgment. If the statute of limitations has passed, it is up to you the debtor to raise this defense in the trial. Talk to the judge before the hearing is not sufficient. You must raise the defense in the trial or hearing for the defense to be effective.
Whether an account appears on your credit report has no bearing on the creditor's right to sue a debtor to obtain a judgment and the ability to take action to collect the debt.
I urge you to consult with an attorney in your state with your questions, who will be able to review your entire situation and give you advice that is specific to your situation and the rules in your state.
Go to the following link to learn more about your rights as a consumer in the collections process.
I hope this information helps you Find. Learn. Save.