The creditor has received a judgment against you, probably by default. You were sued, served and did not answer the lawsuit. (Lately I have been seeing more and more of these, and have NEVER seen them before.) Depending on the rest of your finances, you might negotiate with them, or take other legal steps, like filing for bankruptcy. Let me know if I can help. 832.379.4401
Answered on Jan 13th, 2013 at 11:50 AM