I had a judgement placed on me in Illinois back in 2002. This was for a repo of my car. I moved to Texas in 2004. I now received a civil citation that the finance company is filing a judgement in Texas.
The finance company closed my account in 2001 and I have never heard anything from them (they no longer show on my credit report and had shown up as closed, charge off). I never even knew there was a judgement filed in Illinois until I moved to Texas. Can they have 2 judgments filed on the same loan?
I read on here that the statue of limitations is 4 years in Texas. I have only been contacted by a collection agency last year and did not agree to the outragous payment they wanted. Does the judgement in Illinois nullify this limitation?
The citation was hung on my front door today June 17, 2008 and is dated October 5, 2007. There is a place to sign with officer's return page but it is blank since no one gave this to me. It states that I can employ an attorney and have 20 days after being served (October 7th?) but I never received this until today so should I still contact a lawyer? This has not come up on my credit report yet so nothing has been done.
In summary: Can 2 judgements be on the same account at the same time? Has the statue of limitations past? Any idea why something dated Oct 4, 2007 was just hung on my door today? Should I still go to court?
I am an over the road truck driver and to miss a day for court costs me 4 days pay. I won't go into my sad financial state. The judgement is the last bad thing left on m credit report and I don't want another one if it should not be granted.
Thank you for any advice!