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Can a Judgment be removed?

Date: Thu, 08/06/2009 - 07:03

Submitted by anonymous
on Thu, 08/06/2009 - 07:03

Posts: 202330 Credits: [Donate]

Total Replies: 2


I have a capital one credit card that I did not pay back in 2006. Currently it is with some Law firm. Last month they obtained a Judgment against me without even serving me a summon infect they didn’t even have my mailing address. I called them and send them a certified mail for “Debt validation” saying that the amount they are collecting is not accurate "which is for a fact incorrect" and I can pay what I actually owed capital one but they have to take this judgment out from my credit history since I was never aware of this judgment and they have agree on “Pay to delete”.

Now can someone tell me what they will do? Can this Judgment be removed from my credit history.....Please help or advice.


Soaplady gives good advice-- we all have the right to be notified of claims against us and an opportunity to be heard. Here in Connecticut, you file a "motion to open judgment". Usually the lawyers doing the collecting are cool about it-- if they realize they didn't properly serve you, they don't want to look foolish in front of the court by having you testify that you were not served; they usually agree to let the judgment open. But be prepared to try to make payment arrangements or defend yourself if you get the judgment opened. If you can pay it off before judgment enters again (this time with your knowledge), it will keep it off your credit. As for the judgment currently on your credit, it will only come off if it is opened up. Paying it now without opening, it will just say "paid" or "satisfied." And because the credit bureaus use a service to obtain public record/court information, disputing it to the bureaus won't help because it is a part of the public record.
I am a member of the non-profit National Association of Consumer Advocates. Find an attorney in your area at their website www.naca.net Good luck.


lrhall41

Submitted by sarahporiss on Mon, 08/10/2009 - 17:24

( Posts: 49 | Credits: )