The judgement was placed on us right after my husband got his new job (he was unemployed for about three months due to a lay off)During the time that the collection agency called me, I told them that it was impossible to pay the $1200.00 in one lump sum. She then called my husband and told him that I said that I would pay the amount in full. We called back after comparing stories and shesaid "toobad, you told us that it was to be paid in full and we do not accept payment after that." Anyway, we got a judgement slapped on us. It was paid through garnishment of wages. Second case, I did not know I owed the state extra money in taxes. They did not send me a letter or anything informing me. I would have paid it in full, it was only $323. I found out by getting a letter through my employer and it taken out of my check all in the same week. Now that you know my sob stories here is my question... Can I ask for those two items to be removed considering they are paid and I feel that they were collected in an unfiar way anyway? Who should I contact first, CRA or other people?