Clark has gotten calls dozens of times over the years where the caller says their wages were garnished or their account was emptied, yet they never even knew there was a judgment against them.

He would often think the caller wasn't leveling with him or perhaps just overlooked notifications to appear in court about the debt.

But now New York Attorney General Andrew Cuomo alleges that 35 law firms and 2 collection agencies conspired to forge documents saying that people were served with notice of a debt -- even though no effort was ever made to serve papers!

Under this circumstance, a judge could then enter a default judgment for the lawyer or the collection agency if you didn't show up in court.

Such a default judgment allows the collection agency to take money from your checking or savings account, usually up to one-fourth of your paycheck.

The average individual had $5,500 stolen from them through this alleged criminal activity. In total, the amount taken from New York residents -- and this is just the tip of the iceberg -- is over $500 million!

This is beyond anything Clark could have ever imagined. Sometimes he thinks he's heard it all and then something like this comes out. It is his sincere wish that if the allegations are true, every last culprit go to prison.

Know that if someone serves you a summons, you should go to court and defend yourself. Don't ignore it unless you want to automatically receive a default judgment and have your wages garnished over a debt you may or may not owe!