topic Re: judgements that r paid in General Credit Topics

judgements that r paid

Anonymous — Mon, 16 Jul 2007 07:08:46 GMT

Can u send out a GW letter on Judgements that have been paid. Also can they change the date to stay on there longer. If so can they do that? thanks

Re: judgements that r paid

Anonymous — Tue, 17 Jul 2007 00:46:20 GMT

Court issues a judgment, gets paid, and then generally the CRAs scan the court files to detect and report judgments. It's possible you could get GW on a judgment. I'd start with the OC.

Perhaps either the OC or the CA is reporting it, and perhaps they would respond to a GW letter. If the CRAs were reporting it from their scans of court files, and you got the CA or OC to agree to a GW delete, you might still have to dispute it with the CRAs and get the CA or OC to not confirm it.

While they cannot fiddle the dates, the FCRA leaves open a huge gap for the states to extend the reporting of judgments by resetting the SOL--if your state allows it.

Re: judgements that r paid

Anonymous — Sun, 22 Jul 2007 01:57:29 GMT

I have a question about judgements. I agreed to a consent judgement where I make automatic monthly pymts and it will be paid off 12/07. I did not go to court for this. The law firm called and I agreed to pay and provided the required info for automatic payment every month. I received the papers in the mail and signed them. It has not shown up on any of the CRs. Does this mean that when it is paid they will not report it? Or should I make a request for them not to report it now before I finish paying in 12/07?

Re: judgements that r paid

Anonymous — Mon, 23 Jul 2007 03:56:45 GMT

creditworthyagain wrote:
I have a question about judgements. I agreed to a consent judgement where I make automatic monthly pymts and it will be paid off 12/07. I did not go to court for this. The law firm called and I agreed to pay and provided the required info for automatic payment every month. I received the papers in the mail and signed them. It has not shown up on any of the CRs. Does this mean that when it is paid they will not report it? Or should I make a request for them not to report it now before I finish paying in 12/07?

Are you absolutely certain you have a judgment against you?

Were you served with a summons and complaint?

Are you sure they are a law firm?

http://www.ishereallyalawyer.com/

Re: judgements that r paid

Anonymous — Mon, 23 Jul 2007 23:43:10 GMT

Hi Noah,

I did not get served a summons. But I do have a consent judgement which I agreed and it stopped garnishment of my wages. Yes, it was file in court by a real law firm. Basically it states I agreed to pay all monies due and they won't take my pay. Also, they will halt any further legal action as long as paid as agreed.

Re: judgements that r paid

Anonymous — Mon, 23 Jul 2007 23:46:00 GMT

Thanks for the link, the lawyer is on it.

Re: judgements that r paid

Anonymous — Tue, 24 Jul 2007 01:07:42 GMT

creditworthyagain wrote:
I do have a consent judgement which I agreed and it stopped garnishment of my wages. Yes, it was file in court by a real law firm. Basically it states I agreed to pay all monies due and they won't take my pay. Also, they will halt any further legal action as long as paid as agreed.

Is it in writing and do you have a copy?

Re: judgements that r paid

Anonymous — Tue, 24 Jul 2007 02:31:06 GMT

The consent judgement is in writing and I have a copy with the court's stamp on it and all signatures in place, mine, the judge's, the atty and the court clerk.

Re: judgements that r paid

Anonymous — Tue, 24 Jul 2007 02:58:08 GMT

Any indication about CRA reporting in the consent judgment?

Message Edited by Noah_Bodie on 07-23-2007 07:58 PM

Re: judgements that r paid

Anonymous — Tue, 24 Jul 2007 03:03:16 GMT

Nothing in the consent judgment addresses CRA reporting.

Re: judgements that r paid

Anonymous — Tue, 24 Jul 2007 04:10:22 GMT

Well, there are no guarantees either way.

Remain quiet and it might or might not show up. Ask and it might or might not show up.

What's the monthly payment?

Is there any way you can accelerate payment and get rid of it sooner?

Re: judgements that r paid

Anonymous — Tue, 24 Jul 2007 04:21:12 GMT

No guarantees. Maybe I'll make a general call and ask how they handle reporting of consent judgments pd as agreed. Monthly pymt is $274.02. Can't accelerate pymts right now.

Re: judgements that r paid

Anonymous — Tue, 24 Jul 2007 04:33:26 GMT

The downside to calling is it might remind them they should report.

However, calling and asking might persuade them not to report.

Having some bit of leverage is the key to winning a negotiation. The one angle I can think of is to call and offer to PIF the remaining balance of $1,370.10 (or thereabouts) in exchange for an agreement not to report. However, since they hold virtually all the cards, you'll need to proceed carefully and step lightly. Demanding something in writing could backfire and lead them to say, "Just keep sending in payments, and thanks for reminding us to report this to the CRAs."

If you've paid on-time, odds are somewhat increased they will be amenable to not report.

Who's the law firm? I'll see if I can't google up something on them.

Re: judgements that r paid

Anonymous — Tue, 24 Jul 2007 04:45:30 GMT

The law firm is the Bass Law Group, Woodstock, GA.

Re: judgements that r paid

Anonymous — Tue, 24 Jul 2007 05:12:51 GMT

Nothing adverse that I could find. Given that they are a CA law firm, that's speaks well of them.

Other option might be to bump up the payment amount, even $30-50 a month, paying it off a little early. Anything you can offer them, even if it amounts to a trinket, just might be enough to give you a psychological edge. If they believe they are getting something, they might feel obliged to give something.

Re: judgements that r paid

Anonymous — Wed, 25 Jul 2007 00:28:52 GMT

I called the law firm and they said that the creditor will report it to the CRA once it is paid. I will call the creditor and see if they will agree not to report it if I pay it early.