Sorry if I missed it, but how old is the judgement that you paid off 2.5 years ago?
I wonder if you saw an increase because of the "age" is all.
Have you tried having this vacated?
@casmith1980 how do you vacate a judgment? do you do the process through the court? or can you do it with the OC/CA in writting? are there any extra fees to this? I would like to pay off my civil judgment AND HAVE IT REMOVED from my CR but I don't know where to start or how to go about it.
so, you're saying that you can get a judgment vacated before paying it?
that's true, they could've reported it to your CR, which does make a great impact on your score like it has with mine.
what is this 'possible solution' that your attorney can't do?
Yeah, I hear yah, waiting 7 years for that to fall off is too long and you can't do much with trying to open new CC, or obtain loans. Mine has been there for 3 years so I have 4 more left to go BUT this negative item has affected my job which is in jeopardy now.
I was reading that not being properly serve means you weren't giving the 30-day period to work out a solution, correct? I don't believe (nor remember) getting a letter by the OC or CA letting me know that I was gonna be sued. They just sent me the court date, I appeared in front of the judge but being so young in my early twenties and by myself I couldn't do much to defend me and couldn't afford to pay the debt. OC won the case and put it on my CR. What I'm wondering is IF the OC has proof, like a back-up letter/copy of me being "properly served" and all. Also, I was sued at a different county from where I live which I read it is a violation as well... unless it counts that you can be sued in the same county where you "signed" the debt agreement. I might probably have to hire a lawyer for this.
I'm not sure what "payment plan in lieu of the judgment" means... I do want to talk to OC and try to settle to a lump sum amount that I'll be able to afford. If they agree to it, will I be able to have it vacated? disappeared from my CR? would I have to file this in court? I just don't think I can afford a lawyer atm. I've been barely saving up the lump sum amount I'm going to offer to the OC. *sigh*