Reply
Regular Contributor
Rein
Posts: 122
Registered: ‎10-29-2012
0

Judgement vacate?

I have 2 paid judgements that I want remove so bad! I just talked to the county clerk and just flat out laughed at me asking about getting the judgement vacate. Is a judgment possible to get remove? 

Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Judgement vacate?

A vacated judgment usually means something was wrong in the filing or something.

 

The only person that can vacate is a judge.

 

Were you served properly?

Regular Contributor
Rein
Posts: 122
Registered: ‎10-29-2012
0

Re: Judgement vacate?

Yes it was properly served. It was medical bills. I'm kicking myself in the butt that I let it go that far. So theres nothing I can do except wait out the 7 years plus? 

Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Judgement vacate?

The only other thing I would suggest is contacting the creditor.  I don't think they can do anything.

 

 

Regular Contributor
Rein
Posts: 122
Registered: ‎10-29-2012
0

Re: Judgement vacate?

Thank you for your help.

Regular Contributor
Kevin5974
Posts: 147
Registered: ‎05-16-2007
0

Re: Judgement vacate?

You need to understand that in California, for example, the reporting date is 10 years from the date the judgement is SATISFIED. One option is to save/borrow a significant chuck of the judgement amount (think 65-75%) and offer a lump payment in exchange to vacate. This saves them the trouble of filing liens on tax returns or property and saves the trouble of them issuing wage garnishments. It MUST get paid tho

Starting Score: 475
Current Score: 612
Goal Score: 660


Take the myFICO Fitness Challenge
Valued Contributor
JM-AM
Posts: 3,302
Registered: ‎06-09-2010
0

Re: Judgement vacate?

Nothing is ever a guarantee to have something removed. But judgments can be vacated. It usually cost you a few dollars to deal with them. Just know upfront as I mentioned never a guarantee the creditor or whoever filed the judment will agree to remove.
Good Luck
May all your dreams and wishes become a reality!
Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Judgement vacate?

[ Edited ]

Kevin5974 wrote:
You need to understand that in California, for example, the reporting date is 10 years from the date the judgement is SATISFIED. One option is to save/borrow a significant chuck of the judgement amount (think 65-75%) and offer a lump payment in exchange to vacate. This saves them the trouble of filing liens on tax returns or property and saves the trouble of them issuing wage garnishments. It MUST get paid tho

The reporting time is 7 years from date filed.  The SOL to collect under California law is 10 years, which can be renewed for another 10 years.

 

What the FCRA says is 7 years or the governing SOL.  However, I have never seen one stay past the 7 years.  Even the CRAs will tell you 7 years.

 

The only thing that can and will stay longer is a Tax Lien and that stays 7 years from the date paid/satisfied.

Valued Member
tacoblade
Posts: 26
Registered: ‎01-08-2013
0

Re: Judgement vacate?

You may want to see if it is possible to have the creditor file a release of judgment with the court. You will want to check your state laws first, though.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}