I have a jugdment as well.

If there is a judgment, it means that whoever has the judgment against you has the right to garnish wages, attach bank accounts, put liens on your property and a few other things in order to satisfy the court order. If there is interest due, how it is calculated is most likely part of the judgment. Judgments can stay on your credit report for your entire life. Although they are usually good for a specific number of years, in most states the holder of the judgment can keep renewing it. A judgment is not something to be taken lightly.

I have been reading up as much as i could as far as what they are able to do. I do not need them garnishing wages or anything like that or getting into my bank account. I never paid attention to it on my creid report and that was my error. Now it is biting me in the arse being that i am trying to get a home and cannot get the loan to go through until i pay this off.
So do i have to pay the whole 3230.00 plus judgment amount and interest? I am in Texas by the way. I am reading that different states have different laws.
Thanks again

A judgment is a legal document. You will have to pay whatever is required to satisfy it. You probably need to ask an attorney about it.

When a debt is reduced to judgment, they can charge interest at the statutory rate on the judgment balance. Actual court costs are usually allowed on top of the judgment balance. Attorney fees, if awarded, would be part of the judgment amount. But they cannot just add any other charges they feel like and say you owe them too.

If the judgment was for $760, then you owe $760 + interest + court costs. If the judgment was in 2002, figure the interest is about (760*.09 = $68/year X 6 years) = $410 in interest. Court costs might have been about $150-200. I would estimate the most you should owe is about $1500.

You have a right to know what they claim the extra $3230 is for. If the judge did not award it in the judgment, then they cannot tell you to pay it.


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Thank you for the great info
Next question.
The collection agency the apartment complex for some reason does not have the judgment info on file. I have spoke to a person on the phone once all other times we are playing phone tag. But last voice message i received from her was asking me to go to the courthouse get the info on the judgment and fax it to her.
How freaking crazy is that?
Can i just go to the Justice of the peace office and resolve the issue through them and deal with this crazy collections place?

I would send them a DV letter. Make them get the information and prove that you owe the debt and that they are the collection agency handling it.

I mean some freak off the internet could be calling and claiming they are a collection agency. Judgements are public record and anyone can get the information about them.

Make sure they are legit before giving them any of your information or money.

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I'm not sure that the court will actually take a payment. It's not really the court's job to account for it and remit it to the creditor.

If a CA has the account, make them validate it. Send a DV, which as specifically required in FDCPA ("until the debt collector obtains verification of the debt or any copy of a judgment") they have to provide you with a copy of the judgment. If they can't produce it, then they can't collect.

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Ok so now that i have paid the judgment and the apartment complex has received the judgment amount and court costs and interest. The apartment complex went by the courthouse and picked the money orders up. The now once hard to get a hold of creditor is calling and trying to collect what she says i owe. Which is about 1600 more than what i already paid. Creditor is stating that i owe the rest because of the contract and i just paid the judgment portion. Now if I am correct a contract in Texas expires after 4 years and this was done in 2002. I have a Satisfaction and Release of Judgment signed and stamped by the court house.
My question is what is the next step to have everything removed from my credit report?

jaimegauna, did you pay the complex before it went into judgement or after? I don't think you can dispute a legal judgement. But the C/a will have to update your credit report to "paid".

Once a creditor sues for breech of contract, it acts as a termination of that contract as to any remaining terms in it. Tell them once they got a judgment, the contract doesn't exist anymore. There is no possible way they could sue you again over it (and if they did, you would have a valid defense in that they already obtained judgment and you paid it).