https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/need-some-advice/m-p/421560#M46852 <P>You need to read your state statutes regarding judgments, time for collection of judgments, etc. </P><P>&nbsp;</P><P>The judgment was removed from your report due to CRTP, which has no impact on you owing it, them collecting on it, etc. </P><P>&nbsp;</P><P>Your state statutes will spell out what can be done and when it can be done. Check the link in my signature titled "state resources". </P> Thu, 22 Jan 2009 14:14:04 GMT Anonymous 2009-01-22T14:14:04Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/need-some-advice/m-p/421558#M46851 I was divorced in 2000.&nbsp; In 12/2001 a judgement was ordered against me by a credit card agency.&nbsp; This was a card not cleared up in the divorce.&nbsp; The card was in my name with ex as a user.&nbsp; There is about 4500$ owed on this account.&nbsp; I followed some advice from a tv financial advisor about 3 years ago who suggested that because the judgement was so close to the "7 year time limit" that I just let it go, have no contact with the creditors and ride it out.&nbsp; I have since remarried and have gotten my credit straightened out.&nbsp; I have a completely clear credit report at this point.&nbsp; Not even this judgement shows up any longer.&nbsp; However, yesterday I got a letter from my bank stating that they are freezing my account because they are complying with a request from this creditor.&nbsp; I earn a very small salary (about 200 a month) that is directly deposited in this account.&nbsp; I also deposit my child support into this account.&nbsp; It is used for kids expenses, school lunches, rec fees, entertainment etc.&nbsp; My husband handles the rest of the family's finances.&nbsp; What should I do at this point?&nbsp; Any advice?&nbsp; I'm afraid if I respond to these attorneys that it will reopen the whole mess.&nbsp; Thu, 22 Jan 2009 14:10:48 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/need-some-advice/m-p/421558#M46851 Anonymous 2009-01-22T14:10:48Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/need-some-advice/m-p/421560#M46852 <P>You need to read your state statutes regarding judgments, time for collection of judgments, etc. </P><P>&nbsp;</P><P>The judgment was removed from your report due to CRTP, which has no impact on you owing it, them collecting on it, etc. </P><P>&nbsp;</P><P>Your state statutes will spell out what can be done and when it can be done. Check the link in my signature titled "state resources". </P> Thu, 22 Jan 2009 14:14:04 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/need-some-advice/m-p/421560#M46852 Anonymous 2009-01-22T14:14:04Z