The Wrong Peter Whitford

Peter Whitford

So, what exactly is in a name? That was the $25,000 question for Peter D. Whitford who has lived in Rockville, Maryland, for 35 years.

The 73-year-old former conservationist got jolted from retirement after a recent walk to the mailbox.

"I had to read through it two or three times. They were talking about a plaintiff and a defendant and foreign judgment," he said.

Whitford had received a foreign default judgment, stating he owed more than $25,000. His address was there in writing. His name was listed as the defendant. But the problem was, he had never heard of the plaintiff, a guy in California.

"Well I thought it was some sort of a fraud," he said.

Good thing he didn’t just toss the mail in the trash, because it turned out to be real. However, the I-Team found the judgment was for a different Peter D. Whitford -- 2,600 miles away in Pasadena, California.

"People getting judgments in the wrong name recorded against them is not uncommon," consumer advocate attorney Peter Holland said.

Holland said he hears about cases like Whitford's all the time.

"So somebody could have pulled a credit report and this person's file got mixed with that," Holland said. "It says, they now live in Maryland. It could have been as simple as a Google or you know a person search. We just don't know."

Unfortunately, Holland said, it falls on the person who gets the letter to prove they're not the actual defendant. Otherwise, the court could start garnishing wages, bank accounts and even take your home.

That’s what scared Whitford the most and why he called the I-Team to figure out what he could do.

“My wife and I have been married for 52 years, and it took that long to build up a nice credit rating. And build this house, which is almost paid for. This would just vacate our savings," he said.

Whitford eventually decided, with help from a friend who is an attorney, to file his own motion to dismiss the judgment. When the I-Team contacted the attorney for the plaintiff in the case, he said he too had filed a motion and that the case had been dismissed. He couldn’t say what led to the mistaken identity.

It took the I-Team less than 10 minutes to track down the West Coast Peter Whitford, who runs an LLC listed at a large estate in Pasadena. He tsaid he had no idea about any lawsuit or judgment against him but said by phone he is familiar with the plaintiff, who, according to him, did some work for his company. He denied owing any money. Public records show the plaintiff is also based in Los Angeles area.

Holland said the mistake could be an indication of a bigger problem with mixed up credit histories between the Peter Whitfords.

"Somehow his name has been connected with someone on the opposite coast," he said.

That’s why Holland recommended everyone request their credit reports every year to check for inaccuracies.

That’s something the local Peter Whitford is now looking into, hoping to avoid another surprise in the mail.

"If you get something like this, take it seriously," he said.

Holland offered these resources to prevent debt collection harassment in Maryland:

  1. Get a copy of all three credit reports from the only government sanctioned website
  2. Review your credit reports carefully and dispute any inaccurate information in writing.
  3. Write a letter to the debt collector demanding proof of the debt and the amount.
  4. Submit a complaint to the Consumer Financial Protection Bureau:
  5. Submit a complaint to the Maryland Department of Labor, Licensing and Regulation
  6. If the collector violated the law, hire a lawyer to sue them in court. They may be liable for damages, court costs and attorney’s fees under federal or Maryland law

Private Attorneys:

Other resources:

Reported by Tisha Thompson, produced by Rick Yarborough, and shot and edited by Steve Jones.
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