The easiest way to find out if there is a judgment against you is to pull a copy of your credit report. You are entitled to get a free copy of your credit report once a year. You can get a copy from www.annualcreditreport.com . If there is a judgment against you, it will be listed on your credit report.
Other than this you check your local civil court clerk's index. You will get to know from there if there is a judgment against you. Hope this helps.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.