855-379-0329

Got a call from this number.

I received a call from this company too... saying that I owe money and that they will have a sheriff serve me papers!

Avoid a Default Judgment

Fight a Collection Agency in Court

When sued for a debt, fight a collection agency in court to avoid a default judgment that can result in wage garnishment, bank account garnishment and credit damage.

Any individual with unpaid debts may be at risk of a lawsuit by a collection agency. Fortunately, consumers do not need an attorney to successfully defend themselves against a debt collector in court.

How a Default Judgment Works

A default judgment simply means that a plaintiff in a lawsuit wins by default. This occurs most often when the defendant does not appear in court. A defendant who appears in court and loses the case has a judgment levied against him, but not a default judgment.

In most debt lawsuit cases, the collection agency will file a formal lawsuit with the court in the debtor's county of residence. A summons is then delivered to the defendant. If the defendant does not reply to the summons within the given time frame, the judge accepts the word of the plaintiff as the truth and signs off on the judgment.


Even in cases where the debt in question is clearly outside of the state’s statute of limitations, unless the debtor replies to the summons or shows up in court to make this known to the judge, the out of statute debt will still result in a default judgment.

Reasons to Avoid a Default Judgment

A default judgment can severely injure a consumer’s financial future and should be avoided at all costs. Some of the consequences of a default judgment are:
•A judgment can cause a credit score to drop by 100 points or more, depending on how good the individual’s credit was before the ruling.
•A judgment is limited to a 7 year reporting period, but is renewable. This means it can linger on a credit report up to 20 years in some states.
•Wage garnishment is a common result of a judgment.
•A judgment may cause an individual to pay higher interest rates on loans and lines of credit for as long as it appears in the consumer’s credit file.

Claims they are coming by my home to present me with legal documents between 7-8pm and to hav e a witness ready.  If they don't reach me they will go by my place of employment and drop docs off at HR.  Don't know who these people are and don't appreciate the threats.

This is a phone number an individual, Joseph Gotti, gave me. He was calling for another person, whom I know. He said his company was PCS {Private Careers Service}. I know he is connected to CAMBRIDGE HUXLEY  & ASSOCIATES. On my caller ID his number showed up as 000. He is telemarketing for a collection firm.

People from this number call me constantly they are threatening, verbally abusive and say they are filing charges. They even called my minor child to try to get to me! Should this happen to you contact the New York State Attorney General's Office as well as the one in your state. These people are crooks , they change the name of their company which is run out of a home . There is no debtors prison and yet they threaten you with jail time. Stop these PEOPLE!!!!!!!!!!!!!!!!!!!!!!!!

How do you fight these people and stop the calls? They actually called my job and asked to speak with my boss!

The same thing is happening to me. I asked them to please send me a copy of a contract that I was supposed to have signed. The first man said he couldnt and then I talked to a lady and she said she would send it to my email and that was 4 days ago. NOTHING ! Now I get a call from another lady about the same thing. I don't even know anything about this loan.

same has happened to me, she called my work 5 times in less than 10 min while i was at lunch she asked to speak to my boss; i was ripped; i sent them a formal letter asking not to call my work and I am not paying anyone  anything until i see proof that i owe a bill, Im not giving my checking account to anyone just cuz they say I owe money...

I have too received two messages left on my voicemail at work from a guy at this number 855-379-0329 indicating that he will be serving me papers at my home and then now at my place of employment.  I have no idea who this is, and it's very ironic, that it's really hard to get the name of this person and the company he is with and what this matter is concerning.  Now do I get them to stop calling my work?