I’m Not The Debtor!

August 11, 2023

Q: I’m not the debtor, so why did a Judgment Enforcer send me that letter saying that I was?

A: Why did this happen? The correct person the letter was for, was the judgment debtor that had the same name as you – and lived in the same city as you.

The real judgment debtor might be somewhat of a scammer (hides their SS number, etc.) and perhaps some data searches turned up you, not them. (Perhaps the real judgment debtor used your SS number, etc.) That is why most judgment enforcers start by sending out letters, which gives alleged debtors 30 days to let them know that “they are not the debtor”.

In such cases, judgment enforcers will completely take care of the situation. They will shred all personal information they may have gathered on you, and undo any other actions they might have taken. Nothing they did should be on your credit report.

This will not happen again (at least not because of the current judgment enforcer). They have printed your information and deleted it from their computer, They will not confuse you with the real debtor again.

About half the people who tell judgment enforcers they are not the judgment debtors are lying. That is why they need a day or two, to check to verify you were telling the truth, and in your case, you were.

A big contributor to this problem/situation is that many courts do not ask for IDs when people enter the courtroom. Courts do not put social security numbers, ages – or anything else – on judgments – except the name supplied by the Plaintiff. (If you sue someone, try to first find out what their real name, age, and AKAs are.)

Making the problem worse in many places, is the ongoing and increasing problem of government entities redacting/removing/not allowing the full social security number on all documents – even on documents where they are really needed. Most judgment enforcer redact everything, all personal debtor info, such as full SSNs, address, DOB, etc.

Increasing privacy rights benefits everyone, especially judgment debtors.

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