Lizardking, I have a judgement against me in '97 for a medical bill with the CA Redmond & Nazar in Kansas. I refused to pay initially to St. Joseph out of principal because my insurance didn't pay for the bill because they claimed they never got a referral from my Dr. grrrrh. Anyway, the amount was for $2090.20, and they added an extra $1522.37 in charges and counting. I've already paid $2407.87 @$50/mo since it's not showing on my report. Lately they are beginning to irritate me with their language. My scheduled payment is on the 20th of the month and last month I was a few days late, but I think they intentionally held off and waited 'til the 11th to cash the check. Anyway as a result, I got a letter stating by them that that payment was for Dec, and if I don't pay Jan, they'll start legal actions, which I gather means garnishment. So I immediately on the 12th, sent a postdated check (19th) to make sure it gets there by the 20th, but absolutely do not want them to have my money a single day earlier. Today I just got that check returned stating they don't accept postdated check. The judgement is not listed with any of the credit bureaus so I do fear waking up a sleeping giant. Because of it, I figure to take my sweet time paying down the remaining $1207.08 so that when it's paid in full, and should they try to report it, I could dispute to the CRAs that (by that time) 7 years has elapse. (It is 7 years for judgements, no?) Still awake? My Question: Since they already have a judgement against me; is it possible for me to still request validation: I want to see the contract so that I can look over how much collection fee/interest that the original creditor, St. Joseph's hospital is allowed to tack on?? And is this a good idea, or will curiosity kill the cat? Thanks! hth ps: As of now, I am using over 93% utilization on my revolving debt, ~$13k, w/ total installment debt of ~$47k and my EQ FICO is a 668 (the oldest tradeline is 7/99). I can't imagine what my score would be if I get my CC debt under 10%. )
