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Default Judgement But Wasn't Aware Of The Lawsuit

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location: New Jersey, Burlington County.

Credit Card hired a law firm who filed a lawsuit against me in May 2024.

January 17, 2026 a default Judgement was given and on March 11th application was submitted for wage garnishment.

Here is the issue. I was never aware of the Lawsuit in first place. I never received any summons. never received any communication.

apparently they were sending it to an old address. an address where I have not resided in 5 years.

yesterday, the current resident at the old address finds me and says that he received a legal letter, so I went and picked it up and this was about the wage garnishment.

what can I do right now? can I appeal or file a stop motion for the wage garnishment. I wasn't aware of the Lawsuit, I did not get a chance to defend myself.

unfortunately, money is tight right now and I can't afford a lawyer. Is there anything I can do, I am willing to settle this outside of the court with the law firm. I don't want wage garnishment or anything legal happening.

submitted by /u/Ok-Map3973
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