A Judgement Garnished My Wages

[Icemanku]

My credit report now says:

Your UNIFUND account balance has decreased by 31% from $2,499 to $1,730

Can I PFD of the judgement and/or CR even though the original balance is paid by the garnishment? I can basically make them a deal to PFD can't I?

[LIGHTNIN]

Contact the clerks office, of the court that issued the judgment, ask " what steps you have to take to have the judgment removed from your CR". The judgment would have to be completely paid, before the removal of the judgment.

[Icemanku]

That's seems way too simple. What's the catch?

[p-]

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@Icemanku wrote:
That's seems way too simple. What's the catch?

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 If you have the money to pay off the judgement, and they agree in writing to eliminate or vacate the judgement upon payment in full, you have a chance of getting it removed.  

Unfortunately, since they are already garnishing, and getting paid, what motivation would they have to negotiate further with you?  That's the catch.

[Icemanku]

Couldn't I play dumb and act like I owe them the fees and negotiate a PFD?

[p-]

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@Icemanku wrote:
Couldn't I play dumb and act like I owe them the fees and negotiate a PFD?

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When they look up your account they will see the payments coming from a garnishment.

[Icemanku]

Yes, but they're still going to hit me up for the fees I owe them. It's basically free money to them and I could possibly negotiate a PFD?

[Booner72]

It can't hurt to try.  I say go for it.  You never know til you ask.

[Icemanku]

Why wouldn't they? I play dumb like I still owe them and I basically pay them to delete it? Answer is ALWAYS no if you don't ask.

[Icemanku]

This judgement is paid, but I still have a balance with the CA. Can I do a PFD or pay for judgement vacation?

What should I do?