Did credit collectors serve you correctly?

This may be the shortest blog I have ever written but I do so because I would like to explain, in the most simple way possible, when a judgment that a creditor like LVNV Funding, Midland Funding, or a law firm like Mel S. Harris & Associates, is legitimate.

It’s ONLY legitimate when the underlying debt is yours, the amount is accurate AND you are served either by hand or on your door with the court papers.  I am going to repeat that.  If you don’t receive a Summons and Complaint in your hands, or its placed on your door, there are steps we can take IMMEDIATELY to stop garnishments and frozen bank accounts.    No matter how many times I say this, people still do it, but let me again repeat: DO NOT call these people looking to settle and leave messages for them, as it will do absolutely nothing for you.  There is no reason you need to waste time and money fighting these people on your own when they have served you with court papers incorrectly.