Need some help navigating a proposed Judgement
I was away on summer vacation for July and had someone watching my house. Apparently while I was gone a process server showed up and "served me" even though I wasn't there and gave the papers to the friend that was at my house.
I got home Wednesday this week and had yet to even go through everything from while I was out of town. I got the mail and there was a notice from an attorney that they submitted an application for default to the court. So I then started looking through all the rest of the mail.
The paperwork that was served is for LVNV funding for $2600. It says that it's for a car loan that I missed payments on and was repossessed and sold. The thing is I have never had a car repossessed so I have no idea what to do here. I had a car loan years ago but someone rear ended me, the vehicle was totaled, and I had GAP insurance and it's been like 4 years since that happened. After it happened I was gifted a car by a family member so I haven't had a car loan at all and I pulled my credit, there is no car loan.
I don't know what to do. If anything had ever showed up about this debt I would have requested a debt validation because it is for sure not mine. But now that it went this far while I was gone, how do I even approach this?
Posted Aug 8, 2026, 5:28 PM UTC