Can I get a judgment removed from my credit report?
I had a Judgement entered on feb/2012 for a $400 medical bill. It increased to $800 once it was sold to a debt collector. The collector reached out to me to make payments but I could not due to lack of funds. Long story short. A judgement was served to my then boyfriend at the time (feb/2012) because he opened my door and confirmed I lived at that residence. Missed court date so the collector received a default judgement against me. Started making payments of $100 every month until I lost my job again. I haven't heard from them since. I made 2 or 3 payments total after the judgement was in place.
I want to fix this debt but I want the judgement to be removed from my credit report. Called the collector 2 months ago informing them I would make two split to pay balance in full within 1 month. They declined saying they would gladly accept the payment but will not remove the judgement they will only said judgement settled on my cr. The firm is a building not far from home maybe 20 min ago with an office of like 5 ppl. Not sure if i can go in face to face to make arrangement again with my same terms or speak to another agent and or person in charge. Not sure if its something i can do on my own to meet my terms or if i need to get my own attorney to do the negotiating for me. Really want to take care of this before it increase any higher than it already is or worse/wage garnishment. btw I live in M0.
How can I get a judgement removed off my account if I pay the balance in full? Is this something i can do on my own if told
—Jai
Short answer
Not by asking whoever is collecting. Debt collectors, debt buyers and collection attorneys cannot make your original creditor change what it reports, and nobody collecting the debt controls the court record. Removing a judgment means getting it vacated. For most people the practical move is to pay or settle it and make sure a satisfaction of judgment gets filed.
Key points on this page
- There is a hierarchy to credit reporting. Collectors, debt buyers and collection attorneys cannot change what the bank reports, and original creditors have no real influence over the court record once judgment is entered.
- The judgment is a matter of public record and the court maintains it. Getting it vacated takes an attorney who knows that work, or a lot of your own time and energy.
- Judgment debt carries a 7 year shelf life, and that clock starts on the date the judgment was entered, not on your first missed payment.
- The earlier stages, from first late payment through charge off and collection reporting, carry about a 7.5 year shelf life from the date you missed your first payment.
- Paying or settling the judgment results in a satisfaction of judgment. Put the filing of that satisfaction in the agreement in clear terms, because there is no shortage of feet dragging on updating the court.
- Once the satisfaction is on the court record you can use it to update your credit report yourself, which matters when you are trying to get a home loan approved or refinance. On a small balance, paying it also heads off garnishment.
It sounds like your main goal is to resolve the debt and get the negative off of your credit report. Unfortunately, you are fighting a losing battle with this approach.
Getting a Court Judgment Removed From Your Credit Report
The life time credit cycle of a debt that goes unpaid looks like this:
- 30 days after you miss a payment to a creditor, like a credit card bill, you should see a thirty day late pay on your credit report if the item appeared there already and is updated regularly.
- 60 days after a missed payment you now would have 2 payments skipped and are considered 60 days late.
- As long as you continue to miss payments month by month you are being reported as an additional month late.
- Ultimately the creditor will charge off the debt and take an accounting hit. The charge off is often then reflected on your credit report.
The Life Cycle of Credit Damage
After missing payments on unsecured (and most other debts), your account may take on some additional qualities after charge off.
5. If a debt collector/debt buyer has the account and reports it as a collection on your credit report, with a balance due, the charge off from the original creditor remains, and the new negative will be reporting a balance due them, not the original creditor.
6. If you are sued for collection and judgment entered in the court, the judgment can turn up in the public record section of your credit profile.
Most of the negative credit impact from missing bill payments does not get to #6. One through 5 has a 7.5 year shelf life from the date you missed your first payment. There are some shenanigans that occur with credit reporting and debt collection accounts being reported with more recent dates, and even instances of multiple entries showing up for the same debt and more than one reporting a balance due, which is not right because you cannot owe the same debt to more than one place.
I am pointing out the above as a brief outline for later readers of this page. A little perspective of what happens to credit reports along the way when a bill remains unpaid is a good foundation for what I have to share about getting a judgment removed from credit reports.
Credit Reporting, Collectors, Debt Buyers, or Attorneys Collecting Debt
There is a hierarchy to who can do what when it comes to credit reporting. Debt collectors, debt buyers, and attorneys that collect debt cannot make your original creditor change what the bank is reporting to the credit bureaus. And even the original creditors have no real influence over the court records once the judgement is entered.
The judgment is a matter of public record. The integrity of that record is maintained by the court. You would need to get the judgment vacated, or the judgment creditor to somehow miraculously want to undo their suing you (doesn’t happen).
Unless you have a good argument for getting the judgment vacated, and are willing to spend the money on an attorney who knows what they are doing when it comes to accomplishing something like this, or dedicate a hell of a lot of personal time and energy to learning how to do it for yourself, the judgment will stay in the record with the court.
Judgment debt has a 7 year shelf life too, but the time only starts ticking from the date the judgment was entered.
Is this a big deal? Not for most people. Getting the judgment paid, even for less than the balance owed if that is agreed to, will result in a satisfaction of judgment being filed. You can use the court record to rapidly update your credit report yourself if you are dealing with the judgment in order to get a home loan approved, or refinance a current mortgage.
Be sure that any pay off agreement, whether in full, or for less than the judgment balance, includes filing the satisfaction with the court. There is no shortage of feet dragging when it comes to updating the court.
Paying Off or Settling a Judgment Debt Can Be Done on Your Own
It is always best to discuss legal matters with an attorney who practices in a specific area of law. In this case, one with credit reporting or debt collection experience. Hiring one to help resolve an 800.00 debt may not make sense unless you want to battle the judgment itself.
With a smaller debt amount such as this one, you can get the payment in and avoid garnishment. Just be sure that any agreement to pay includes in clear terms that upon receipt of payment, or the full agreement being met, a judgment satisfaction will be filed with the court.
Improving Your Credit Report After Payment Setbacks and Judgments
I will have a series up at the beginning of the year that details credit report recovery and tips for increasing credit scores after bouncing back from a tough financial patch. In the mean time, if you can answer the following questions in a comment reply, I can give some more feedback:
What are your immediate financial and credit goals (buying a home, car, other)?
What other negatives appear on your credit report beside the original payment default related to the judgment debt, and the judgment itself?
What positive items are appearing on your credit report right now?
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About Michael BoveeMichael started CRN in 2004 with a mission to provide people in need with detailed debt and credit help and education. Michael has participated as an expert panelist in federal consumer protection rule making, collaborated on state law changes governing debt consolidation, has worked as an expert witness in court matters related to the debt relief industry. He is available to speak with you about your financial struggle and helps people resolve their debt problems daily.
Hi Michael! ! Please point me in the right direction. I can’t afford an attorney I would like to handle this myself but need to know how first. I have a judgement against me. I thought I was taking the right path messed up by missing to submit the answer I requested that the other party just provide proof of what I owed because no way it was all of what they claim. It was a credit card and actually I didn’t know but at the time it was passed sol but I didn’t know until now. I was sued in 2012. So since I didn’t turn the answer In time the judge send me a letter that I had to pay. After that I made payment arrangements with equable finance for Chase and they agreed that I pay 50 buck a month I made all payments on time. I say the 3rd payment they send back to me so i figured at the time that i didn’t owe them anymore because it was not showing on my credit report anymore. Now I’m trying to buy a house I notice they are still there and what’s crazy is they had me writing the money order to litow and pech which is not the same as the name on my judgement paperwork.
How much is owed today? Have you already applied for the mortgage?
I still owe about $1500 and honestly since it was years ago and when they send my payment back silly me was thinking I didn’t owe them anymore and I never heard from them since. Also I didn’t see it on my credit report anymore but it’s still in my record with the courts. How can I settle with someone that is not cooperating?
It does not sound like they are not cooperating, but that they had a records snafu and stopped trying to collect. You have to reach out to them to negotiate a payoff. The amount you look to save from negotiating in this situation can be impacted if they see you are trying to buy a home, which they can find out with a look at your credit reports.
I have a problem with some of how the lawsuit went down to begin with. I am sending you an email with contacts for experienced debt collection defense attorneys in Missouri. You can call one or more of them and run through what happened back then and see if there are some suggestions they make to challenge this. Otherwise, you are looking at negotiating the settlement, and getting that updated to the court record, before you home loan would go through.
Hi Mr. Bovee,
My situation is difficult so I would really appreciate all the help I can get. So back in March of 2010, my boyfriend was involved in a car accident with my vehicle. We both have the judgement for $8,542.79 plus $239 in court fees. We never received any papers for this so this is very confusing. But obviously I want to resolve this and move on with my life. We are trying to buy a house but need to fix this ASAP! What steps would you recommend?
Who got the judgment against you? What state are you in?
The judgement is from the insurance company/person that was driving the vehicle my husband was in an accident with. This happened in Illinois.
If you were not in a hurry I would want to explore the fact you never got served or knew about the law suit. Ho much of a hurry are you in? Can you raise 60 percent of the balance owed?
Hi Mr. Bovee,
I had lost a case against Midland Funding at the JP level in Texas three years ago. I filed a pauper’s appeal in Disctrict court and I had a summary judgment against me because Midland claimed they didn’t get an “answer” from me though I had dated letters sent by certified mail to both Midland and the court. I decided to file bankruptcy which dismissed the judgement in District court. Now I still have Transunion showing the JP level judgement though the Texas JP court told me they would have destroyed my file as soon as it was settled in bankruptcy at the district level two years ago. Is that enough info to ask Transunion to drop the JP judgment off my credit report? I have paperwork from the district court that says dismissed in bankruptcy but of course no paperwork for the JP level since it’s gone. Midland funding shows on both judgements of course. Both Equifax and Experian have already dropped the JP judgment from my credit report.
Linda
Have you filed credit report disputes? If so, what was the result of that?
Next I would look to file a credit reporting complaint with the CFPB.
Hello Mr. Bovee,
Thank you so much for your informative website.
I have 2 judgments against me.
One by LVNV FUNDING LLC in April 2010 for $8217.94 + Judgment Interest:$864.57 + Costs:$75.00 which totals $9157.15
The other by CORNERSTONE EQUITY PARTNERS INC in October 2009 for $3,856.28 + Judgment Interest:$13.31 + Costs:$20.00 which totals $3889.59
In both instances, I was not aware I was being sued because I never got served any court papers. However, those debts were probably mine. But I think the amounts were off.
In August 2014 my bank account was garnished for the amount of $3688.04 on the LVNV FUNDING case.
The same law firm (Protas, Spivok & Collins) filed both cases on behalf LVNV and CORNERSTONE.
I had called the offices of Protas, Spivok & Collins. They told me the accounts had been transferred to INVESTINET.
So I called Investinet, they then told me the accounts have been transferred to ASSET RECOVERY SOLUTIONS and NIAGRA CREDIT SOLUTIONS
My wife and I are hoping to purchase our first home really soon.
About a month ago I got the services of an attorney to try to negotiate a settlement for both of the judgments. She had initially advised that we should file to vacate the cases.
After getting in touch with Asset Recovery, they did confirm that they now hold the Cornerstone account but that the balance is now $6559.80. We offered to give them a lump payment of $2000 to settle but they rejected and countered with an offer of $4591.86 to settle this case.
My questions are:
Do these collection agencies/debt buyers have the right to charge interest on a debt that already had interest on it at judgment since they presumably bought the debt cents on the dollar?
Shouldn’t their offer be based on a fraction of the original judgment amount?
If I successfully vacate the judgments, will that hinder my being able to buy a home?
Your insights and advice will be really appreciated.
Thanks
Judgment interest is set by the court and governed by state law. So ye, it is normal for interest to be added post judgment. What state are you in?
Their offer should not be based on a fraction of the judgment amount. What debt buyers pay to acquire a specific debt will rarely have anything to do with what you can settle for. And less so if there is a judgment.
If you vacate the judgments it will be as if they did not exist. That would be the best outcome for your home buying goal.
Niagara Credit Solutions is often pretty easy to deal with. Where does that one stand?
Thank you for your reply.
I live Maryland and the cases were filed in Maryland. I am still waiting for a response from Niagara Credit Solutions. The Asset Recovery case is scheduled to be removed from my TransUnion report in 9/2016 and the Niagara case in 3/2017. Only the Niagara case is showing up in my Experian report and it scheduled to be removed in 4/2017.
The judgments will not go away after they drop from your credit reports. You are still at risk of lien, levy, and wage garnishment as each would apply in your state. If left unresolved, those judgments will prevent future financial goals, like a home loan, even thought they are not seen on your credit.
2012 had a rental judgement against me and was paid in full by one wage garnishment. But even now on credit report doesnt say it was paid or satisfied.. Do i just go to county clerk and show pay stub with garnishment or do i need to contact plantiff?
How long ago did this occur?
You want the other side to file the notice of satisfaction with the court. You can talk to the court clerk about your options, and sometimes you have to move things along yourself.
I would talk to the attorney you paid and see what’s up with them first. If this is not straightened out quickly, and it has already been 2 or 3 months since you paid the judgment, I would file a complaint with your state bar association against the attorney, and also file a CFPB debt collection complaint.
Hey there Mr. Michael Bovee, I noticed your post and just want to first off say thank you so much for helping these people and hopefully myself included, you don’t have to do this it is very much appreciated.
My situation involves me trying to buy a house. I was getting the pre-approval process started on my owning a home and it came up that I have a public record from a circuit court from when I was in college 6 years ago for the sum of 3,500.00. How would you recommend I to go about handling this situation to get it resolved? Does waiting the 7 years for the debt to fall off work in this situation? If I pay it off, can I get an agreement from the court to remove this incident from my credit report? I want to go ahead and get the ball rolling on trying to get a home, what is the quickest and best way to go ahead and get this taken care of?
You cannot wait for this to roll off your credit report and get on with life like you can with non court debts. The lenders still find the court records and will hold up approval on home loans and refinancing.
At this point I would get a copy of the judgment from the court and look to negotiate the best settlement possible in order to save money, and get the court record updated to show it has been satisfied.
What was the debt about?
Hey, thanks man. The debt was from Credit cards.
Settling a credit card judgment that old is pretty common. I tend to target 50% of today’s balance (there is often judgment interest added) as an optimistic, yet still realistic outcome.
Who is the judgment creditor (name of plaintiff that sued)?
It doesn’t say and I’m looking from Credit Karma. And to be honest I really just cant remember, it’s been a long while now,,,
You can often pull up court records on line now, so try the courts website. If they do not make that available you will need to call or go to the court for the info.
I will do that now, thank you so much man, I really appreciate the help.
Hello Michael,
I currently have a judgement entered against me in Indiana. This is the third owner of the debt, and I want to make sure the information they sent me is sufficient to continue the judgement. I want to settle and get it over with because the negative marks should be falling off of my credit report next year, but I’m also afraid that if I pay, it would start the 7 years all over again. I could really use some advice if you have the time. They’ve frozen my bank account which had student loan money in it. I asked for a sooner court date because of those funds being ‘exempt,’ but have had no luck yet. I’m really between a rock and a hard place, so any advice you could offer would be extremely helpful. Thank you so much.
You cannot restart the credit reporting clock on a judgment by paying or settling it. It will still fall off, but if left unresolved, will still be collectable through wage garnishment, bank levy, or property lien. An unresolved judgment will still come up when you try to buy or refinance a home, even when it is no longer on your credit reports.
Who is it that owns the debt now?
Who is the collection law firm handling it?
I have a bunch of negative accounts on my record. I never had a credit card, never any outstanding balances, there’s several items that I have not known anything about. Do you think someone else is using my identity, and I’ve never received any information contained by any of these creditors, just happened to look now that I’m trying to purchase a home?
Identity theft happens more than many people realize. Check out this site from the FTC about what to do next: https://www.identitytheft.gov/
I was recently contacted that I a being summoned to court in another state. When I was young and foolish I had enrolled at a college and didn’t drop my classes in time. The amount they are saying g I owe is about 800 more than the original debt. I am in the process of trying to rehabilitate my credit. How will a judgment effect it and will it help as I am paying it off? Since I am not in the state to go to court, what steps can I take to try to get it possibly lower?
I would first look to get the case dismissed for being in the wrong jurisdiction. Then deal with negotiating something out of court. Post the state you are being sued in and I can email you attorney contact details of lawyers that have practices that focus on debt defense.
Who is it that is suing (name of plaintiff)?
Hi I had a judgment on Brazioria county , Texas on 1/24/11 from my HOA and was satisfied by my paying in cash over 19000 in court to the sheriff , he gave mi a receipt, but the attorneys from the HOA did not file a satisfied form until 7/1/2016 and the judgment still on my and my wife credit as unpaid and satisfied on the court public record , it has affected my credit as a result we can’t get credit , I’m trying at this time to get student loan for my kids as a consigner and been denied and paid hi interest on other credit since , how can I get the judgment remove from our credit and can I sue the attorney and association for not filing the satisfied judgement that cost me to paid higher interest rates on my loans since 2011?could you email me thank you
You will want to contact an experienced debt defense or FCRA attorney in Texas about what your options are to pursue the attorney. If the satisfaction is filed with the court as of last week, you should be able share that with the DOE for the plus loans. It take some time to update to your credit reports organically. You can dispute the entries with the credit bureaus and upload or send a copy of the satisfaction the court now has as part of your dispute. It can often get corrected quickly that way.
Hi Mr. Bovee,
I have a judgement on my credit report for $565 from an eviction in 2013. I called the court to pay the full amount and they said I needed to pay the plaintiff which is the apartment complex. I contacted to apartment complex, spoke with the manager (and plaintiff) and stated my intention to pay the amount of $565 that is shown on my CR. We set up an appointment to meet at the apartment complex and she has a court document from 2013 that has a much higher amount because it factors in court costs and interest. She says that regardless of what the credit report says, she can not release the judgement until I have paid off that amount. I never actually received a summons or letter or however they notify you in TX so I never went to court. I didn’t know about the judgement until applying for a loan pre-approval. I paid the $565 that shows on my credit report and I have the receipt plus a copy of the money order with everything filled out and all signatures. So where do i go from here to get the judgement removed?
You typically want the other side to file a notice with the court that the judgment is paid or satisfied. If you did not pay the full amount of the judgment, and that often will include the fees and costs, plus the interest on the judgment amount that the court sets, you are not going to be able to get the record updated in the way you need to in order to get your home loan through.
You do not get the judgment removed per say. You get the record updated to show it is paid. That will allow your credit report to be updated too, but you can make progress on your loan even before the credit bureaus are updated (using the court record). You can get your loan through with a paid judgment.
I took my little brother to a dentist appointment back in 2011 because they said he was getting anesthesia and of course he can’t drive himself home. Me being young and naive, I signed a document (thinking it was to ensure he had someone present to take him home) that I later found out was me taking responsibility for any unpaid medical bills. At the time, my brother was insured and 18 (they swear he wasn’t of age but he was) and won’t provide me the document I signed. I found out I had a judgement on my credit report because I do not live with my family and no one tells me about mail that comes in my name. I found out because I was trying to purchase a home and when they ran my credit, it showed up. On my report it says I must pay $610 but the dentist office said it’s $641 and also said I have to pay them, not the court. Is this true? I wanted to buy a house and this ruined it.
If you are confident your brother was 18 at the time I would file a debt collection complaint with the CFPB. People are hearing back on those in a matter of weeks.
I know the balance is low, but I would not pay something like this just to get the home loan through. I do understand why that is an appealing thought though.
I am in the middle of closing on a house (June 10th is the date). My credit score was 785 when I applied for the mortgage. Now a public record has appeared on my report from 2014. It’s been paid in full since 2014. My bank said they do soft credit inquiries through the closing process to watch for any changes to my credit score. My credit score has now dropped to 730; Am I at risk of the bank not approving my loan due to this new public record? Or is it OK since it shows it’s paid off?
I think you will be fine, but who is the lender you are working with for the home loan?
MB Financial Bank
Talk to the loan officer you are working with at MB Financial and see what they have to say about this. If the rate changes you could shop for a better one.
I have a judgement on my credit since 2012 from an appartment I had. The apartment complex has had 3 different owenrs since then. Is there any way the new owner of this property could write it off? Is it too extensive to have done, too much stress? I could pay it but not all of it. The balance was actually for 3500. the judgeent is for 1700. What direction should I go, This is the last thing on my credit that I need to remove and also I have paid 3 other debts but they are still on my credit report showing as negatives. I have asked them to please remove the negative and to update all 3 credit agencies and it has not been done, but the accounts are settled. What would be the best thing to do for all of this?
DO the 3 settled accounts show as paid collections? I want to know if the people you settled with updated your credit reports to show them as a zero balance owed now. And if they have, that is really all they are required to do. Getting someone to delete the negative is not all that common, but also not all that necessary depending on your goals.
The judgment is not something the new apartment owners can just remove off your credit. That is a public record. You are likely looking at having to settle the judgment and getting it updated in the court record to show satisfied. Have you tried to negotiate the balance down already?
hi, 2 judgements have been taken off the credit file, on 4/16 and the other 5/16. Will the credit card holders come after me again.? Judgements were filed in 2009. I’m in Ct
Just because the judgments are deleted from your credit reports does not mean they go away or become uncollectable. You are still at risk of wage garnishment, bank account levy and property liens, and in many instances for 20 years or more in your state.
I live in texas, also where I went to college. After I graduated I was hit with the issue of finding a job, thru the whirlwind I tried to pay stuff as well as I could basis. Some things were late, etc. Fast forward a few years to 2012, I have all credit card debt paid off and my student loans in rehabilitation and going fine, I get served with papers to appear about state/federal grants that turned into loans bc I didn’t graduate in time. Me thinking it was for the loans in rehab, I foolishly ignore it. Fast forward to 2016, I have a great job, credit score in the 730’s, apply for a mortgage loan to buy a home and BAM, they tell me about this public record judgement from 2012. The issue I have here is, should I pay it off or just let it drop off my report in 3yrs? The judgment is for $12k. The worst part is that I was never contacted ever again about any payment arrangements or anything to indicate this was part of my credit report record. I would have gladly taken a monthly payment plan option if it was offered. I don’t even know who to contact for this, or if I should, I’ve read that if you make Contact they can renew the judgment? Need some good advice here please. Love the site!
Are you certain these federal student loans Nic? If they are it can be tough to negotiate much of a reduction.
You will want to resolve the debt one way or the other regardless of it being on your credit reports. You will not be able to finance a home with an unresolved judgment. It will hold you up because it is public record even when it is too old to be on your credit.
Confirm who the named plaintiff was on the original summons and complaint with the court and let’s go from there.
Hi Michael,
I really appreciate all of your information! Here is my current situation. I got divorced in 2009 and became a single mom of 2, in Illinois.
I was recently considering purchasing a house, and found out about 2 judgments against me. One was from a Target Visa, filed 7/2012 for $7900, and the other was a Capital One card filed 4/2010 for $1600. I knew my credit took a hit during my divorce, but honestly, I was not fully aware of all of the accounts my Ex had opened in my name. There are a few other smaller accounts that I had settled or paid off prior to contacting the mortgage broker, and still a few left to tackle.
I have some savings that I was planning to use for a down payment. Obviously, my goal is to settle these for the lowest amount possible so that I can start saving up for the down payment again. I contacted the collection company on my report for the Target account, Portfolio Recovery, which referred me to Blatt, Hassenmiller, Liebsker & Moore. I call them, and they tell me the Target balance is now $10700.00, but they will settle for half, and they have another account of mine as well. I thanked her for her time, but told her I wasn’t in the position to pay that amount right now, we didn’t discuss the other account, but I assume it is the other judgment.
The smaller accounts I settled were for about 20% of the balanced, but I’m not sure if a judgment works the same way? In your opinion, what do you think is the lowest they would accept on this balance? And if they have both, maybe they can do a combo deal or something?
If/when I do settle with them, will they make me pay upfront or can I ask for something in writing first to show what we agree to? And..what do I agree to, that they will update with the court as satisfied?
Thank you in advance for any help on this!
Not all debts settle for 20%… far from it. But when you are trying to negotiate debts that reached the court, 50% is an optimistic, but still realistic target.
You should be able to get Blatt Hassenmiller to give you 50% off the other judgment too (or real close to it).
You do want to get everything in writing before you pay. Be sure to read more about that here: https://consumerrecoverynetwork.com/debt-settlement-letters-agreements/
You can also prepare yourself better for negotiating judgment debts by reading up about it here: https://consumerrecoverynetwork.com/question/can-you-settle-credit-card-judgements-like-other-debts-stressed/
I have a judgement on my credit report from a junk debt buyer (Hanna and Associates). I still have a small balance. They were sued by the government and have to pay $3.1M in damages. Since that happened, do I still have to pay off my judgement?
You can learn more about how your case may be impacted by reading the consent order here.
Maybe I just have no idea what I am reading, but I didn’t see anything for previous suits they have filed. Am I missing it or am I out of luck?
You should seek a legal opinion, but nothing I know of in the CFPB action against Hanna and Associates would get you off the hook from needing to pay the rest of, or otherwise resolve the judgment debt.
If it were me I would look to resolve the judgment debt, get the court record updated, and get that behind me.
In applying for a home loan I learned that I have an unsatisfied judgment for Arrow Financial from 6/2010 for $3076. I contacted the court and it appears to be for a Providian Credit Card. I assume the debt was sold to Arrow – both companies are no longer in business. I have no record of this debt or any knowledge of this Judgment. The court confirmed they have no record or affidavit of service for the Judgment. The Judgment is also listed under my nickname “Kim” and I always use my legal name “Kimberly”. I have disputed the judgment with all 3 credit bureaus and they are removing the judgment from my credit reports. However the mortgage company is saying the judgment must show as satisfied per the title company. I don’t want to pay for a debt that I don’t think is mine.
Where are you located?
My husband has a judgement against him in Maine for $485 from a now defunct oil company who filed for bankruptcy and restructured. The trustee is the one listed on the judgement to deal with, but he refuses to meet with us and basically called my husband a low life on the phone. We contacted the attorney that did the restructuring (happens to be a friend of ours) and said he couldn’t do anything – it has to be released by the trustee. This is the only thing holding us back from a mortgage. Is there anyone else we can legally deal with to get this removed? We have no problem paying for it. There’s just no one who wants to take our money. Any help is greatly appreciated. Thanks!
You may want to look at filing a complaint against the trustee with the DOJ.