About Apex Credit Services, LLC Expertise Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law.
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Experience Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.
Question My fiancee has a credit card that has gone into collection. It went in front of a judge over a year ago and was dismissed. A week ago this same credit card judgement was served on him stating that he was now to be garnished for it. How can he be garnished for something that was already before the judge and was dismissed a year ago???? Help please.
Answer Jennifer:
It was likely that it was dismissed "without" prejudice which permits the creditor to bring the claim back once more. It sounds as though this time the creditor served your fiancee and he failed to respond and as a result a default judgment was rendered.
I would consult an attorney. If you're in Tennessee, we may be able to recommend a few good consumer attorney's.
