debt collections

Hi kat, and welcome to the forum! Unfortunately, that is how a lot of these slimey collection agencies operate. They try to collect on a debt for awhile, and if they see that they are getting nowhere, they decide to cut their losses and sell the debt off to another agency for pennies on the dollar, so at least they're getting something. Then it starts over with another collection agency harassing you.

If you register with this forum, you can sign up for a free, no-obligation debt consulation with a debt counselor. They will be able to discuss your situation and explain the options available.

I hope you'll continue to keep posting, as this forum is a wonderful source of info and help.

How can I legally get rid of judgments off of my credit of accounts that I cosigned for

How long have they been on your credit reports? I read somewhere that judgments stay on for 7 years. If the judgment has been satisfied, the court should have issued something to state that. You can provide a copy of this document to the credit bureaus and they will mark it as satisfied on the reports.

As for getting judgments removed before the 7 years is up, I guess you could try disputing them. Cajunbulldog can give you more info on that if you post in the credit repair forum.

Judgements, and debts for that matter can stay on accounts for anywhere between 1 and 10 years depending on state laws in the state where the debt was created. If and when I find my old information packet I will be able to give you at least a basic idea of some of the protections and pitfalls, in individual states.

Also a judgement can stay on ur report indefinately if not satisfied. They can keep re-newing it after 10 years if it's not satisfied. There is no legal way to get it off that i know of other than satisfying it.
Good Luck,
Ang

Judgments are tricky to remove from a report. One way is to pay it and have plaintiff vacate the judgment.File order with bureaus. Another way is more complicated. Get a letter from court stating that the clerk does not verify information from court to credit bureaus. Dispute the judgment with the credit bureaus and when it comes back verified,send copy of this letter along with a stern letter demanding to know how they verified.They normally verify thru Lexis-Nexis but don't want anyone to know that. This wording and procedure forces them to either admit to paying for you info and selling it or removing the judgment to keep their dirty laundry from being aired.

Will the court be willing to give u this statement?? This is very interesting to me Cajun!
I think i understand it better now but am just curious as to if the court will give me this letter. (i know lots of people that work there and also a couple of family members) Would a letter from them suffice?
Interesting,
Ang

Just needs to be someone in the dept that records these documents.

How easy do u think this would be?? (to get such letter from them)
I'm thinking not that easy but around here nothing to do with the court house is very easy!
:shock:
Ang

Ang first off order your Lexis-Nexis report.My links in my credit repair sticky shows you how to do this. Then meet with the court clerk to get your letter or lawyer if you wish to try for a vacate motion.

Thanks cajun! Will do!
:D
Ang