Question about a Judgement
Date: Thu, 02/19/2009 - 18:01
We went to our bank (small hometown bank where everyone knows everyone), and applied for a loan to pay off some other debts and rolled that attorney's fees into the loan. The bank officer was asking me why we had to pay attorney fees if nothing was ever pursued about the judgement and he asked why it was still on our credit report. I told him I had no idea, that the loan company said that since they already filed it, it would stay on there for 7 years and couldn't be removed. He made a strange face (but gave us the loan) and said "That doesn't sound right".
So... I ask you... were we deceived? Is there something I can do about the judgement on my husband's credit report? I have pulled my husband's score up over 100 points in the past year and if that would be removed it would help so much. I always thought you couldn't do anything about it, but after talking with the guy at the bank, I am assuming maybe there are ways? Can anyone help with this? I am in Louisiana, if it makes a difference.
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check with your court clerk.make sure nothing was filed.if not,get documentation from the clerk.then send a formal dispute to the credit reporting agencies.then go to naca.net and find a consumer lawyer who will work ona contingency basis and sue them raw.
We were served with papers (and I have no clue where they are, h
We were served with papers (and I have no clue where they are, heaven only knows what I did with them), so wouldn't that mean something was filed? I am going to check on that in the morning.
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if you reached a payment agreement.the papers should have been withdrawn.then there wouldn't have been any court costs or attorney fees.
Awesome! I haven't written out the check to the attorney yet for
Awesome! I haven't written out the check to the attorney yet for his fees, it is sitting in my savings account because I want to check on that. Thanks so much!
$1600 seems like a lot for attorney fees and court costs. If th
$1600 seems like a lot for attorney fees and court costs. If they actually filed a case, even if you reached a payment agreement, you'd usually have to pay the initial court filing fee (which is like $85-150).
Attorney fees would usually be stipulated in your payment agreement. (Well, did you get that in writing, or did you just call and agree to pay XX per month?)
Or, if the debt was actually reduced to judgment, then attorney fees would be a part of the overall judgment amount.
They can't just make up random numbers and call it "attorney fees." For example, in IL the judges will only allow us to tack on $350 for attorney fees. If I ever tried to charge more than that, I could risk the state revoking my license.
It seems high to me, too, and to the bank loan officer. When I c
It seems high to me, too, and to the bank loan officer. When I called and spoke with the attorney's secretary, I almost fell out of my chair when she told me the amount of the fees.