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New Member
lizsuhay
Posts: 4
Registered: ‎07-18-2008
0

Re: Pay OC to remove Judgment...

I'm working on this myself. I have a letter from the OC stating that the judgment doesn't belong to me and has been paid. So far, EQ deleted it, although never responded to my dispute. EX said they would delete it, but hasn't. I'm about to fax "please kindly do what you say you would" letter. TU waited more than 60 days to respond to my dispute, then refused my MOV request. I am waiting on response to a second MOV or delete request, but it looks like my next step is an attorney. I'm in NJ and I think the Motion to Vacate SOL is only a year. Unfortunately, it takes time for this stuff to show up on your CRAs, so I didn't act on it sooner. Any other suggestions?
 
Good luck!
New Contributor
sunshyne4u
Posts: 53
Registered: ‎07-22-2008
0

Re: Pay OC to remove Judgment...

Liz... so you disputed after you paid the judgement and the CRA deleted it from you CBR? I have got to do something because I have 4 judgments on my CBR and 2 are paid. One I am thinking about paying and the other I am not paying. But i would pay them all if I knew for sure they would be pulled off of my report. It is just that no one at my courthouse knows what the heck I am talking about when I ask for a motion to vacate. Maybe I need to call a lawyer, it might be called something else here in VA.
Senior Contributor
Wonderin
Posts: 3,494
Registered: ‎05-25-2008
0

Re: Pay OC to remove Judgment...

Yes, you'll need to contact a lawyer. VA is NOT a "self-help" state.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*

Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Pay OC to remove Judgment...



sunshyne4u wrote:
Liz... so you disputed after you paid the judgement and the CRA deleted it from you CBR? I have got to do something because I have 4 judgments on my CBR and 2 are paid. One I am thinking about paying and the other I am not paying. But i would pay them all if I knew for sure they would be pulled off of my report. It is just that no one at my courthouse knows what the heck I am talking about when I ask for a motion to vacate. Maybe I need to call a lawyer, it might be called something else here in VA.




What part of Virginia are you. I am currently working with the only consumer attorney in the state and going to court on Friday against Portfolio.

PM me and I can probably refer you if you in Hampton Roads.
Here we go again...
New Contributor
sunshyne4u
Posts: 53
Registered: ‎07-22-2008
0

Re: Pay OC to remove Judgment...

I am in Richmond. I guess I can just look in the phone book. But what that mean that we are not a self-help state? Does that mean i cant do this on my own. I have to have a lawyer. Is there a website that offers free advice on credit issues?
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Pay OC to remove Judgment...



sunshyne4u wrote:
I am in Richmond. I guess I can just look in the phone book. But what that mean that we are not a self-help state? Does that mean i cant do this on my own. I have to have a lawyer. Is there a website that offers free advice on credit issues?




Richmond isn't but so far away. The attorney I am working with is in Newport News.

Not sure about the self help stuff.
Here we go again...
Senior Contributor
Wonderin
Posts: 3,494
Registered: ‎05-25-2008
0

Re: Pay OC to remove Judgment...

"Self-help" refers to a state's willingness to let you file motions and suits (other than small claims) without legal representation.

Some states make it easy for their residents. Some don't.

VA doesn't, that I'm aware of.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*

Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!


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