What is the legality of the collection agency? Posted on April 08, 2011In February of this year I was sent a letter from Credit Services Inc., of Billings, Mt. It was a collection letter for a medical bill. I called to set up payment arrangements. I was then told that I have a Judgement against me. Do I have any Legal Rights against this Judgement? I was never notified by Postal Mail, Certified or Registered Mail, or Process Server. Any Help will be greatly appreciated.