Appellate Practice Attorney serving New York, NY
It can't. It seems likely that the creditor claims to have served you with a summons, and obtained a default judgment against you when you didn't appear. If you weren't served, you should immediated move to vacate the judgment and also obtain a restraining order against any further collection efforts until your motion to vacate is decided.
Answered on Oct 16th, 2017 at 11:21 AM