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Florida Amex Judgment

Regular Contributor

Florida Amex Judgment

Hello all,

 

It's been a while since I've been on here. Unfortunately, I screwed up with my Amex in early 2012 and just got stupid with it. Amex hired an attorney in Ft Lauderdale taking it to court in my county (10 hours away) and since I never responded, a default judgment was entered. I have the money to pay the judgment, but want to know the best way of going about it to get it off my credit report. From what I've read in past posts, a judgment can be vacated once it's paid. Since the credit account itself is not on my credit report, only the judgment, will this keep Amex off my credit report altogether? Should I send a letter to the attorney offering to pay it in full to have it removed? Thanks for any advice!


   $1,500        $4,500        $1,000        $1,000       $13,500       $3,100        $1,000        $1,000        $15,000
     5/06           7/07            5/11            8/17            8/17           9/17           10/17         10/17          10/17

FICO 8 as of 11/4/17: EQ 674, TU 679, EX 665 | Gardening commenced Friday the 13th (10/13/17) | Next app: Oct '18 - 2nd AMEX

Message 1 of 4
3 REPLIES
Moderator

Re: Florida Amex Judgment


mistaritalian wrote:

Hello all,

 

It's been a while since I've been on here. Unfortunately, I screwed up with my Amex in early 2012 and just got stupid with it. Amex hired an attorney in Ft Lauderdale taking it to court in my county (10 hours away) and since I never responded, a default judgment was entered. I have the money to pay the judgment, but want to know the best way of going about it to get it off my credit report. From what I've read in past posts, a judgment can be vacated once it's paid. Since the credit account itself is not on my credit report, only the judgment, will this keep Amex off my credit report altogether? Maybe maybe not, odds are yes since it isnt reporting now

Should I send a letter to the attorney offering to pay it in full to have it removed? No, such an offer is moot since they can just garnish your wages or seize your bank accounts. Thanks for any advice!


Once the judgment has been paid the atty needs to file a satisfaction with the court, once this is done you can move and make your motion to vacate on grounds it has been paid. Good luck Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 2 of 4
Regular Contributor

Re: Florida Amex Judgment

Well apparently I was incorrect about the Amex account. It's on my credit report as a judgment and a charge-off. I'm contacting their attorney regarding paying the judgment. I did some research regarding Florida law, and rules of civil procedure state that, with my filing of a motion to vacate, the judgment can and will be vacated upon satisfaction.


   $1,500        $4,500        $1,000        $1,000       $13,500       $3,100        $1,000        $1,000        $15,000
     5/06           7/07            5/11            8/17            8/17           9/17           10/17         10/17          10/17

FICO 8 as of 11/4/17: EQ 674, TU 679, EX 665 | Gardening commenced Friday the 13th (10/13/17) | Next app: Oct '18 - 2nd AMEX

Message 3 of 4
Community Leader
Epic Contributor

Re: Florida Amex Judgment

While I have not read the FL code, I suspect that it does not say that it must be vacated.

Vacature based on satisfaction of a judgment is usually discretionary on the part of the judge, and not automatic.

It is usually a motion seeking relief from the court, and requires their grant of the requested relief.

 

Can you provide the language of the FL code?

 

Message 4 of 4