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Need some advice...
Just got done with nearly 3 years of fighting cancer (I won!) and am now trying to deal with all the medical bills that have accumilated.
I have 27 that are showing up on my credit report. Thus far I have done great with getting the collection people to agree to remove for payment. Some are settling for 75% and some are requiring 100% payment to remove. If they won't remove for 75% but will for 100% I am paying the 100%. I have had none refuse payment for removal.
I have had 5 judgements filed and granted in the process. 3 of them were for under $200 and I paid them. I am thinking about filing to have the judgments vacated. I figured for this small amount the attorneys would not bother to show up. I will claim I wasn't notified which is the truth. My ex-husband was probably served or it came in the mail and he never showed me. One still needs paid (it is for $325). I am going to offer to pay it if they will vacate. If they won't vacate I will hold off on paying it and knock out some more of the collections. Eventually I will pay. My question is - should I file all the vacates at once or space them out? 2 are in my county and one is in the next county over (where the debt accured).
The last judgement is a big mess. They are garnishing my ex-husbands paychecks. Part of the debt is his and part is my medical bills. However, not only is the judgement showing up but each individual medical bill is too. I filed a dispute with Experian saying the debt was double listed. I receiced notice today that they verified and would not be removing either the individual ones or the judgement. Can they do this? Isn't there a clause that says they can't list the same debt twice?
Thanks for any help!!!
Unfortunately the same bad debt can result in multiple derogatory accounts/tradelines on your reports. The original account, in addition to one or many collections can report. Also when you are sued the judgment will be reported as well.
Before you file a motion to vacate the judgment due to lack of service, I would go to the courthouse, pull a copy of the proceedings, and see how the record shows proper service. It may have been service by publication. I would not file a motion based on improper procedure without first knowing the facts.
In another thread someone mentioned calling and asking the company to vacate judgment. I called them this morning and spoke to a very professional lady. She was firm and said "NO, You owed the money, we collected." End of conversation.
I live close to the courthouse and think I will go up and ask how notification was done. The two judgments in my county are from the same collection agency and were only from 2010 so they have a long time to go before they will fall off.