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Regular Contributor
MaryJane197
Posts: 138
Registered: ‎01-05-2009

Judgement Showing in BK

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
01/10/09: - TransUnion: 500 / Equifax: 521, / Experian: 566
Filed BK 02/24/2012
07/28/2012: - Transunion:487 / Equifax:467 ,/ Experian: 586

06/06/2014: - Transunion:509 / Equifax:513 ,/ Experian: 551

07/25/2014: - Transunion:516 / Equifax:541 ,/ Experian: 574
New Contributor
Credit_Me
Posts: 52
Registered: ‎06-14-2012

Re: Judgement Showing in BK

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.


Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board


Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
Regular Contributor
MaryJane197
Posts: 138
Registered: ‎01-05-2009

Re: Judgement Showing in BK

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.

01/10/09: - TransUnion: 500 / Equifax: 521, / Experian: 566
Filed BK 02/24/2012
07/28/2012: - Transunion:487 / Equifax:467 ,/ Experian: 586

06/06/2014: - Transunion:509 / Equifax:513 ,/ Experian: 551

07/25/2014: - Transunion:516 / Equifax:541 ,/ Experian: 574
New Contributor
Credit_Me
Posts: 52
Registered: ‎06-14-2012

Re: Judgement Showing in BK

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.

 

 


Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board


Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
Frequent Contributor
shorrttyycm1
Posts: 392
Registered: ‎03-29-2011

Re: Judgement Showing in BK

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. 


Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
New Contributor
Credit_Me
Posts: 52
Registered: ‎06-14-2012

Re: Judgement Showing in BK

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...


Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board


Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
Regular Contributor
MaryJane197
Posts: 138
Registered: ‎01-05-2009

Re: Judgement Showing in BK

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.

01/10/09: - TransUnion: 500 / Equifax: 521, / Experian: 566
Filed BK 02/24/2012
07/28/2012: - Transunion:487 / Equifax:467 ,/ Experian: 586

06/06/2014: - Transunion:509 / Equifax:513 ,/ Experian: 551

07/25/2014: - Transunion:516 / Equifax:541 ,/ Experian: 574

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