Hello, I had t a debt collection default judgment and my wages were garnished in 2008.  I made a few payments and then I spent 5 years i jail.  I did not make any payments since October 2008 up to now. i just received a letter from a law firm saying that the debt was referred to them by Cavalry( creditor).  The original creditor was HSBC.  What can i do in this case?  can i beat it?
Thank you.
	
		
			
		
		
	
				
			Thank you.
