Manros, you would be wise to check the court records in your district and locate the actual case file, which is public record. Take it out, look at it. How were you supposedly served? To what address did the collection attorney mail your copies of the pleadings that he used to get a judgement against you? Why did you receive no copies?

There are a number of possible ways to get this judgement vacated or set aside, depending on what was actually filed against you. Go to the court and get a copy of the entire file so you can examine it at home, and prepare your counter-attack. You also need the actual case number so you can file a motion to vacate judgement or a Motion to Dismiss... or maybe a Motion to Quash service of Process... and you need to see exactly what the collection attorney DID to get a judgement against you w/o your knowledge.

Masterduke - how does someone find out from the bank if a presentment has been made for purposes of cleaning out the account? In Florida (and probably in Texas) the bank account that is used only for deposit of the wages of the Head of Household is exempt from garnishment, so how does someone notify that bank that the funds should not be removed and are protected by law? Would someone file a notice with their bank? Would a notarized affidavit signed by the Head of Household and citing the state law be a good idea?