Bankruptcy

[MaryJane197]

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

[Credit_Me]

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.

[MaryJane197]

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.

[Credit_Me]

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.

[shorrttyycm1]

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. 

[Credit_Me]

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...

[MaryJane197]

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.