Question: I have judgment that is reporting paid when it is not. This is due to using a CROA. The problem is that I might want to roll the amount of the judgment into my mortgage so that I will be debt free at closing. Do you think that I should dispute the status of the judgment or wait for the judgment to come bite me in the butt once I am in the house? I read somewhere that when they obtain judgments against 'young' people, they wait a few years to try to collect, in hopes that the person has obtained something worth trying to take to satisfy the judgment. I don't want that to happen nor do I want a lien later on.
Hey Love 1)is the judgement yours? 2) How did you recieve the judgement? there may be a good chance that judgement can be vacated. 3) How much is the judgement for? and if it shows paid you should go down to the court house to see if the judgement has been satisfied or not... 4) If you get the judgement deleted from your credit reports and get your previous addresses deleted it may be hard to track you down... 5) I would not go about purchasing anything major until the judgement issure is taking care of.. Kev
Yup. Served via certified mail, I think. Nearly 8K. I have not paid anything and the docs that I got from the courthouse does not indicate satisfied either. Not really, I am sure that the mortgage co will report my new address (that they helped me obtain) on my credit report(s). That is NOT what I wanted to hear...heehee I have thought of this tactic also: paying steady incremental amounts but without a payment agreement. That is supposed to keep them at bay if they know that I am making an honest effort to pay. They wanted me to pay a little over $400 per month. No way I can afford that. But they would not accept payments of anything less. They want it paid within 12-24 months.
Sounds like you are in a perdicament..... email me if you want the specifics of the judgement... you still may be able to vacate and it wouldnt hurt filing a motion to vacate... but i dont know enough about it... Kev da back to back to back 600 club.
Roll it into your mortgage and pay it off, or get it vacated. Interest is steady being added at the rate your state allows.
Kev, What info do you need? I have reviewed everything and it seems legit all the way as far as I can see... I would appreciate any help.
No, they are not bothering me at all. 1999, when they obtained the judgment. Pretty much. I did send them a dispute letter of why they should not hold me liable for the balance of the car loan months before they filed for a judgment. I signed for the CRRR...
what about a judgement with the original creditor being an apartment complex? And what all is involved with getting a judgement vacated? Does it require a lawyer? That would cost more I would assume than just paying the thing off.
I paid $400 for a lawyer to get mine vacated. Depends on what's involved and lawyer's fees where you live.
did you have to pay the judgement before it was vacated (sounds like a silly question even while I'm typing it but I have some real problems with how it was handled). The short story is this. I was behind on my rent. I was served notice of the judgement hearing(eviction hearing) on my door, never signed for anything. This had happen in the past and all I did was drop off a cashier's check for the amount that they wanted (late fees and all). Well I did that this time and 17 days later a officer of the court comes to the door saying that I had been evicted. I asked about my payment and the apartment manager said that they "did not accept my payment". However, they never notified me of this, either in writing or calling or anything. They still had my uncashed cashiers check in the office. So I packed up my things and took my check to another apartment complex who gave me a new apartment that day. I just feel that they did not handle the situation very well and that I made a good faith effort to pay what they asked so since they did not accept it I dont really plan on paying them anything ever. But the catch 22 is that I am in the process of re-building from my previous errors and that is a major stumbling block.
Mine was a dispute with an optometrist - we settled prior to the court date, but the attorney let the court date stand, then the court did not record the payment. The lawyer just got the other lawyer to sign the petition to vacate - mine was old - I didn't know about it. It was on TU and hardly anyone here ever pulls TU. Yours sounds a bit trickier, but depending on the court practices and the attorney's knowledge, you might could get it vacated on a technicality. Go to the courthouse and get copies of what's in the file and take it to a lawyer and ask.
