Good morning all, After lurking off and on over the last couple of years as I have tidied up my wife and I's credit reports, I have finally joined so I can try and get some guidance in dealing with the final hurdle we face. Like many people, we are dealing with credit issues stemming from many reasons, mis-spent youth, divorce, etc. Letters to Credit Agencies disputing items and letters to CA's requesting debt validation have taken care of the majority of items, leaving only one. A judgement against me for a car that I allowed to be repossessed. Whereas the judgement against me was rendered without my having been served properly, the timeframe for my attempting to argue that appears to be well passed. The papers were sent certified to an address I no longer lived at, but my step-father signed for them (this all occurred in 2007, state of Ohio). Admittedly, I have been burying my head in the sand with regards to the judgement, putting it off until everything else was taken care of. Several things come to mind right now, sorry for jumping all over the place. EFX has the name on the judgement incorrectly, they are specifying the incorrect middle initial. Now, this could be nothing more than a scriveners error, but if I dispute it, what's the worse that could happen? What would be the best procedure for attempting to settle with the plaintiff? The original judgement amount was for around $3500, I'm not positive what it could be now with penalties and interest, but I think I recall calculating it a few months ago to over 10k total now which seems asinine. I'm either looking to settle this with a lump sum, or make payment arrangements with them to take care of it in the next year or so. Obviously I would need something in writing declaring the payment arrangement and that the we would present to the courts that everything is paid in full based on whatever agreement we come up with. Like I mentioned earlier, I'm jumping all over the place and I apologize for that. Please feel free to bombard me with questions for clarification purposes, I'm sure I'm missing some key details and positive I have the terminology screwed up. Thanks!!
I don't want you to think we are ignoring you....but likely those of us who have read your thread (me for instance) cannot offer any assistance. I believe there are some members here who can help guide you, but they may only check in every few days.
What motions have you made so far to get the judgment dismissed? My guess is that you can dispute it on the basis of your name being spelled wrong and the worst that will happen is they will come back to you saying, "no this is you." Anyone else have any thoughts? Logan
If you choose to dispute the judgment as "not mine", hold out doing so until the Thanksgiving or Christmas holidays (do a search on the board for "CHOD").... The most recent thread titled "Sending CRA disputes in time frame" might be helpful to read. Make sure you delete your previous addresses from your credit file before you dispute the public record.
