Lorenzo Serna asked 3 days ago
I found out there was an attempt to garnish my bank account as a result of a default judgement against me, but I never had knowledge of the garnishment attenpt until recently. I went to the courhouse to get all the info in my public record (8/18/25), and that is when I first had any knowledge of the garnishment order or service. They mailed (by regular mail) the notice of service to my previous address (Notice of Service of Notice to Judgement Debtor 11/2/23). That attempt was unsuccessful, because they had old information from an account I no longer use. Am I able to use this as a point of argument in approaching a reasonable settlement for the default judgement? Or does this give me any leverage back?Timeline:Default Judgement 8/4/2021Order for Garnishment 9/22/23Return of Service for Non wage garnishment 10/19/23Notice of service of notice to judgement debtor 11/2/23Knowlege of Garnishment after request of public record from courthouse 8/18/25.The default judgement mentioned above is for breach of contract on a lease agreement. The financing company is listed as the plaintiff on the lawsuit. The \"Holder\" in the contract is a different company. The Lessor is the dealership where I leased the vehicle from. In the lease agreement there does mention that the finance company can enforce on behalf of the Holder:\"ASSIGNMENT AND ADMINISTRATION When You and Lessor sign this lease, Lessor will assign it to Holder. Finance Company or a substitute will administer this lease. You must then pay, in U.S. funds, all amounts due under this lease to Finance Company. If Finance Company is not the Holder of this lease, Holder has appointed Finance Company as its agent. As agent for Holder, Finance Company has the power to act on Holder\'s behalf to administer, enforce, and defend this lease.\"When I uploaded the contract in parker GPT it stated that i have grounds for lack of standing without there being assingment back to plaintiff. However, when I entered that specific quote from the contract it mentioned that I may have to change course in my argument. is there something there i can use? Or am I wasting time on it?I am tackling this Pro Se like I am sure many others have. I appreciate any and all opinions.
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Correction by author. Should be related to Garnishment and Judgements.
Nothing can be done in most states until the Judgment is set aside. So, no defense to the lawsuit is allowed until you get the Default set aside as the case is closed. That should be the focus.