topic Re: When it rains it pours in Rebuilding Your Credit

When it rains it pours

Anonymous — Wed, 24 May 2017 03:05:56 GMT

In 2011 I sold my car to my sister.
She let one of her friends drive it and I found out it hit someone else's car before it was transferred into her name.
So I discover I have a judgement that is not on my credit report but does appear on the county website from this.

What can I do. This will come up if I ever want to buy a house. Any one have anything I'm sitting here near bawling.

Re: When it rains it pours

medicgrrl — Wed, 24 May 2017 03:12:35 GMT

Consult an attorney!!

Re: When it rains it pours

Anonymous — Wed, 24 May 2017 03:38:34 GMT

Yes I am going to 100 percent fight this

Re: When it rains it pours

medicgrrl — Wed, 24 May 2017 03:40:24 GMT

Was the judgement paid by your insurance company?

Re: When it rains it pours

Anonymous — Wed, 24 May 2017 03:55:26 GMT

That vehicle was no longer on the policy as it was sold to her I removed it. I was under the impression that she transferred it over later that day after we saw the notary. I am wondering if it's to late to file a motion to vacate. This happened in 2011. I have a common name and I just happened to be on the court website and I clicked on everyone case not expecting anything then I see one under my name but has my sisters bff unique name on it once u click it. I confronted them both and they are willing to cooperate

Re: When it rains it pours

medicgrrl — Wed, 24 May 2017 04:01:46 GMT

The judgement is against all 3 of you? Is it paid?

Re: When it rains it pours

Anonymous — Wed, 24 May 2017 04:29:12 GMT

It's not paid and is only against me and the best friend no mention of my sister

Re: When it rains it pours

medicgrrl — Wed, 24 May 2017 13:26:08 GMT

First, the bestie needs to come up with the money, then I would consider calling the attorney and asking if they'll vacate the judgement for payment. Explain to him what happened and that you would rather deal with it the easy way vs going to court to have it vacated etc. If he says no, hire an attorney. Don't call until you have the money

Re: When it rains it pours

Anonymous — Wed, 24 May 2017 15:13:40 GMT

She is homeless and currently wanted for theft she will never pay it's 2600 dollars. It's sad. I was excited about my rebuild it's not on my credit. I don't know if I should just give up and file bk or what

Re: When it rains it pours

Sandman771 — Wed, 24 May 2017 15:19:40 GMT

Just my two cents. Don't give up. And don't file BK. Just continue what you are doing with your rebuild. It is 6 years old now and you were never served with any notice either. So just continue what you are doing save some money up and once you have it, if you want to handle it then contact the county attorney.But not until you have the money in hand.

Re: When it rains it pours

medicgrrl — Wed, 24 May 2017 15:24:59 GMT

Yup...just keep taking 1 step forward. You've got a plan so keep working it. We did not make this mess in a day and won't fix it in a day either. Keep paying your new accounts on time and working on the collections.

Re: When it rains it pours

Anonymous — Wed, 24 May 2017 17:07:47 GMT

Thanks I really needed to hear this. I am going to keep pushing and get this resolved

Re: When it rains it pours

Sandman771 — Wed, 24 May 2017 17:11:53 GMT

I guess I was just trying to say don't stress over something like that. If it isn't reporting, and you had no notice, then you're fine. Just rmemeber before you get pre-qualified you want to address it then. And if it shows up as paid at that late date, just be honest and say heck I just found out about it, but when i did I paid it. meanwhile keep gardening those cards and growing the Cls.

Re: When it rains it pours

Anonymous — Thu, 25 May 2017 18:12:43 GMT

What state are you in? There are SOL's, even for judgements, in many states.

Re: When it rains it pours

Aduke1122 — Thu, 25 May 2017 19:45:19 GMT

Hey does it show up anywhere on your CR ? Public records? If not some counties don't have systems to report these things , my sister has one that has never been reported and she had no issue getting approved for anything