Debt Collection Dispute Guidance

Summary

In North Carolina, creditors must provide a detailed breakdown of charges. Failure to do so may violate the Fair Debt Collection Practices Act (FDCPA). If a judgement is already paid, disputing it may be difficult, but consulting a local attorney can help explore options around unjust enrichment or FDCPA violations. If the debt was paid due to a property sale, a lien might have been involved.

Full Conversation

I had a creditor trying to collect a debt but when sending me the charges didn't send all the charges so I couldn't dispute them. I missed my court date and they issued a judgement and when I sold my house they took *
Hello Brandon, could you please specify in which country or US state did this occur? This would help me provide you with the most accurate legal information.
North Carolina
Hello Brandon,
*. In North Carolina, you should have received a detailed breakdown of the charges from the creditor.
*. If not, it may violate the Fair Debt Collection Practices Act (FDCPA).
*. You can file a motion to vacate the judgement due to lack of proper notice.
Consider consulting a local attorney.
The judgement is already paid
Hello Brandon,
Since the judgement is already paid, you may not be able to dispute it. However, you can consult with a local attorney to explore options around unjust enrichment or violation of the FDCPA.
It was paid due to me selling my home
Hello Brandon,
If the debt was paid due to the sale of your home, it's possible that the creditor had a lien on your property. If you believe there were unfair practices, consult with a North Carolina attorney.