Fartanywherecard wrote:If what the OP is saying is true, that a court date occurred and passed without any notification or attempt to contact him, that is scary. Don't they use a collection agency first? It's just strange.
I don't know what happened in his specific situation. But he says he was not properly served meaning he was not notified of the court date or other details. In some jurisdictions and for minor debts all it takes is mailing a letter to the last known address. In almost every credit agreement you promise to keep the creditor informed of your address at all times. Since your contract requires that, they can get away with notice by mailing a letter to that address. So that is probably what happened - he moved and didn't tell them, they sent a letter he never received and complied with their service requirements. He didn't know about the court date, missed it, and now has a default judgment.
The lesson is to know your debts and responsibilities and do what you are supposed to do in terms of notifying your creditors when you move or whatever.