The first question is how did they acquire a default judgment against you? If you were not properly notified of the action by service, the first step is to file a Motion seeking to reopen the action so that you can present evidence with regard to liability for the debt.
The second issue is whether the collector of the debt violated the Fair Debt Collections Practices Act. If the collections agency advised family members, or neighbors that you owed a debt, that may be a violation.
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