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hmtcrxsir
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Subject: Civil Claim Judgment question
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Sun May 17, 2009 12:45 am
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| A few years ago when i was in college I made some wrong decision of owning a few student credit cards and were unable to pay the credit card company back the amount I owe. At the time, $1500 was alot to me because since I only worked part time and didnt make much. But after graduation, I paid the amount in full. But I checked Experian and other credit bureaus. And there was a judgment made against me by Resurgence Collection. But my question is, Since I already paid Resurgence off in full. Why is there still a judgment in Public Records? How can i get this deleted other than to wait 7 long years? I really hope this judgment on my credit doesnt affect me buying a house or car in the long run. |
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Firang
Joined: 28 Apr 2009
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Posts: 56
-25 Magic Points
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hmtcrxsir
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Sun May 17, 2009 4:03 am
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I paid them with my debit card. Well before I see that there was a collection by Resurgence Financial collection agency on my Experian account. But once I paid them off in full, that collection made by Resurgence was deleted. But now theres another item. And it's under "Public Records" where it shows the court and a judgment was made. And it says:
Status: Civil claim judgment.
Status Details: This item is scheduled to continue on record until Sep 2015.
Date Filed:
09/2008
Date Resolved:
N/A
Claim Amount:
$1,500
So im a bit confused about whether it was suppose to be deleted or whether it was to remain on my record for 7 years?hmt |
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Firang
Joined: 28 Apr 2009
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Posts: 56
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Mon May 18, 2009 12:17 am
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| but is it true that even if a judgment is "paid" it will still be on my record for 6 years for california SOL. |
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cbass1017
Joined: 01 Feb 2008
cbass1017's page
Posts: 143
Location: PA
1528 Magic Points
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Mon May 18, 2009 1:08 am
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That's true. No need to validate a debt that is already paid.
You can provide proof of your payment to the credit bureaus and they can update the judgement to show "paid/resolved", but if they actually went as far as taking you to court over the matter than there is no way to legally remove the paid judgement on your credit report until it just goes away.
In all honesty though, the longer that it has been paid off and the older the judgement is the less it will effect your credit rating. It may not effect your ability to buy a car or home down the road. How long ago did you pay it off?
_________________
Scott McKay
FreeOnlineCreditGuide.com |
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rachael
Joined: 11 May 2009
rachael's page
Posts: 234
6581 Magic Points
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Mon May 18, 2009 5:36 am
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Hi hmtcrxsir,
What I understand from your post is, you came to know about the judgment against you from your credit report (CR). But if a collection agency(CA) has filed a suit against you, you are entitled to get summons from the court. Were you served with the summons? If no then, you can visit the court where the lawsuit was filed. Ask the clerk how to obtain a copy of the "Return of Service" filed by the CA.
If you are able to prove that the summons were not served you can file a "motion to set aside default judgment". This process will take a bit of time. What I suggest is, if you have been regular with credit card payments and "judgment" is the only negative remark, you can let it fall off from the CR on its own. If you maintain a good credit history an old judgment wont cause much harm.
_________________
Looking forward to a debt-free life. |
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hmtcrxsir
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Mon May 18, 2009 8:04 am
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| i heard that it reduce credit score by 50-100 points? is this true? |
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hmtcrxsir
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Mon May 18, 2009 8:09 am
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| this was actually really recent. so theres no real way of having this judgment deleted from my credit report? not even hiring a lawyer can help me? I really dont want this to be on my record and cause me to pay higher interest rate for car or house loan. |
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hmtcrxsir
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Mon May 18, 2009 8:21 am
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| actually this amount that I owe was actually from citibank credit card back in 2003. It went into charge off in 2004. And then it went into collection. My account was sold to many collection agency. And finally Resurgence Financial bought over the account. They was really persistent and very aggressive to find me, and finally found me (since i moved and didnt report it to them). Resurgence sent me summon to appear in court but I was away on a business trip for approx. 3 months overseas. My family got the summon for me, so all this time I wasnt aware of this summon for me to appear. So when I came back, I found out that my family already signed for it. And this is recent in 2008. So its been nearly 5 years now, they finally found me. So once I found out about it. I paid Resurgence Financial off in full amount. I asked them if that's everything, and that amount will be taken off my Credit Report. They said yes, so i took their word for it. I checked my CR 3 weeks later, and the collection amount was taken out of my CR. Now, 2 months past. And I checked it again, it now says under "Public Record" that there was a judgment made against me. So I dont know what to believe. I think I shouldnt have paid them off if I knew this judgment was going to be held against me. I should have just waited 7 years for SOL and so I can start clean all over again. But I had a good heart, and just wanted to clear everything from my credit history. But just as i paid them off, I now see this thing under my record just upsets me. I just dont know what to do next. |
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rachael
Joined: 11 May 2009
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Posts: 234
6581 Magic Points
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Mon May 18, 2009 8:42 am
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Hi hmtcrxsir,
If you had not paid the debt amount, the collection agency would have either garnished your wages or your bank account. Judgment will remain on your credit report for 7 years from the day you became delinquent. Try to build a good credit history, by paying all your bills on time to minimize the effect of the judgment, listed on your credit report.
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Looking forward to a debt-free life. |
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sherry
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Subject: civil claim judgment
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Thu Jun 25, 2009 8:51 pm
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| if you have a civil claim judgment against you and you sell your property will you have to pay it |
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sammy jones
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Subject: judgements
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Thu Aug 27, 2009 12:48 pm
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| i have a judgement against me for $4600.00 by a family member. i have not been able to pay it and it has been about 4 years. she is now calling me and saying she is going to take me back to court for the same thing and have my paychecks garnished. i live in the state of louisiana, can she do this. what choises do i have. |
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carol
Joined: 27 Jun 2006
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Posts: 1307
Location: Los Angeles, California
29555 Magic Points
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Thu Aug 27, 2009 1:04 pm
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Hi sammy jones
I don't think your family member can garnish your wage but may definitely sue you for not paying up. Was there a written agreement between you two on the loan? If yes, you have the chance of being sued.
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Keep in touch
Carol |
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Marie
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Subject: judgement on credit
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Wed Sep 02, 2009 6:47 pm
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| I had a judgement against me by a tenant for a return of deposit money, I have paid that judgement and want to know how it will affect my credit. It has been paid within 30 days of the filing for 850.00 . How long will it be there and will it lower my rating by much. (points) Cleveland, ohio |
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