questions about judgement

[trc1962]

Have paid the judgement against me and started thinking about how it happened. I was working with a credit counseling company during that time. I called them the other day and asked when they had submitted their payment plan to the company that sued for a judgement.They said that the company (called valley empire collection) had received the offer before the court date and agreed to it 2 days after the judgement. So they knew the account was being offered a payment plan and still sued and then accepted the plan. Is this ethical? I have paid it off and am hoping to get it off my credit report. I appreciate any wisdom anyone can offer. Thank you

[RobertEG]

Their offer was not a legal agreement until signed by you, or your legal rep.  It was a negotiation offer that had not been accepted.

As such, there was no agreement of the parties to present to the court as a pre-trial settlement.

I speculate that you did not show in court, as it could have been finalized prior to trial and the court then notified as such.

[trc1962]

No, I was stupid and when the credit counselor said it was not necessary to attend as the deal had been offered, I listened to him. The payments were begun and I never heard anything else. One year later i found the judgement on one credit report and it had not quite paid off.  I guess you learn the hard way sometimes. I quit using the credit counseling service because they were only paying some creditors and holding others. If I had attended it could have been taken care off.

[newmomnewme]

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@trc1962 wrote:

No, I was stupid and when the credit counselor said it was not necessary to attend as the deal had been offered, I listened to him. The payments were begun and I never heard anything else. One year later i found the judgement on one credit report and it had not quite paid off.  I guess you learn the hard way sometimes. I quit using the credit counseling service because they were only paying some creditors and holding others. If I had attended it could have been taken care off.

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Is the lien satisfied now? If not, pay it off, get the satisfaction certificate and then you can work on getting it vacated depending on your state laws.