topic Re: Judgement Showing in BK in Bankruptcy

Judgement Showing in BK

MaryJane197 — Tue, 07 Aug 2012 22:27:43 GMT

I was under the impression that judgements could not be filed under BK cases? When I pulled my 3 credit reports today my judgement is only showing on TU and its showing paid under BK?? Can someone tell me if this is right? I thought judgements couldnt be filed under BK? My lawyer even told me that. I also have 2 student loans showing filed in my BK.

Type: Civil judgement in bankruptcy

Date filed: Nov 21, 2006

Date paid: Jan 13, 2012

Date reported: Nov 21, 2006

Amount: $778

Plaintiff: Housing Authori

Account designator: Individual

Re: Judgement Showing in BK

Credit_Me — Wed, 08 Aug 2012 00:07:31 GMT

MaryJane,

I had 6 judgements when I filed and was being garnished. All show as satisfied 0 balance after I filed. Waiting until one year from discharge to file motion to vacate and get them removed. They show on TU and EQ but not on my EX report.

Re: Judgement Showing in BK

MaryJane197 — Wed, 08 Aug 2012 00:13:00 GMT

Mine doesnt show a 0 balance. Just shows included in bankruptsy and the date paid. Trying to figure out how to have it vacated. Dont want to pay a lawyer to do that for me. It isnt showing on my other two agencies. I cant dispute it in TU cause I already have several things I am disputing and im waiting on TU to decide on them first before I can open another case.

Re: Judgement Showing in BK

Credit_Me — Wed, 08 Aug 2012 00:45:17 GMT

I believe you have to get them removed by the court where they were filed on. Not sure where you are but where I am from I am legally able to file a motion to vacate the judgements 1 year after my bk was discharged. Then they can be removed from my reports.

I doubled check my reports and they in fact say satisfied with 0 balance as well as iib. Check your discharge report, it should say if your judgement was included.

Just wait on some of the other myficoer's advice.

Re: Judgement Showing in BK

shorrttyycm1 — Wed, 08 Aug 2012 17:14:23 GMT

Hi,

Currious as to the process of vacating 1 yr. post. I filed chpt 7 and was discharged in 2010, I had 3 judgements iib. They are still on my reports but reflect satisfied, o bal, incl in bk7.

Re: Judgement Showing in BK

Credit_Me — Wed, 08 Aug 2012 20:42:05 GMT

http://ficoforums.myfico.com/t5/Bankruptcy/Vacating-a-Judgement-in-NJ/td-p/1303423

You will need to check if your state has something similar...

Re: Judgement Showing in BK

MaryJane197 — Thu, 09 Aug 2012 01:06:18 GMT

Thanks Credit_Me. Im going to check with my lawyer to see what she recommends I do. Hopefully it wont be to difficult to get it taken care of.