@Anonymous wrote:
I believe in Tennessee that notice to last known address is sufficient so I'm pretty sure that I don't have any legal ground to fight that. The garnishment ended when I quit my job to move out of state during another of my husband's deployments, and I do know that the debt wasn't satisfied prior to that. I never received a garnishment notice so that bothers me but the debt is indeed mine and I need to pay it. My concern now I suppose is that if like to clear this up but I'm unsure how to do it considering my funds are limited and my husband and I are again separated, with mostly separate finances. My credit has improved immensely and I don't want a renewed judgement showing on my reports if they do renew prior to 10 years. Is it best I wait for it to fall off and then try to settle? Or should I try to settle now? I won't graduate college for 2 years and my financial situation isn't likely to improve much prior to then either.
If you are no longer living in the state where the judgment was granted its to your advantage as they would have to domesticate the judgment into the state you are now living in before they could even get an order of garnishment or seize any property and that will cost them more money and time. A judgment can only make one run on your report for a period of 7 years from is date of entry or the term of it being active (the first period of time) which ever is greater. They can however be renewed in most states forever.
I would do some digging to see if it is still an active judgment or if it has expired without being renewed. If its still active then you would contact the owner of the judgment and work out a settlement on it.
