Need some advice...
Just got done with nearly 3 years of fighting cancer (I won!) and am now trying to deal with all the medical bills that have accumilated.
I have 27 that are showing up on my credit report. Thus far I have done great with getting the collection people to agree to remove for payment. Some are settling for 75% and some are requiring 100% payment to remove. If they won't remove for 75% but will for 100% I am paying the 100%. I have had none refuse payment for removal.
I have had 5 judgements filed and granted in the process. 3 of them were for under $200 and I paid them. I am thinking about filing to have the judgments vacated. I figured for this small amount the attorneys would not bother to show up. I will claim I wasn't notified which is the truth. My ex-husband was probably served or it came in the mail and he never showed me. One still needs paid (it is for $325). I am going to offer to pay it if they will vacate. If they won't vacate I will hold off on paying it and knock out some more of the collections. Eventually I will pay. My question is - should I file all the vacates at once or space them out? 2 are in my county and one is in the next county over (where the debt accured).
The last judgement is a big mess. They are garnishing my ex-husbands paychecks. Part of the debt is his and part is my medical bills. However, not only is the judgement showing up but each individual medical bill is too. I filed a dispute with Experian saying the debt was double listed. I receiced notice today that they verified and would not be removing either the individual ones or the judgement. Can they do this? Isn't there a clause that says they can't list the same debt twice?
Thanks for any help!!!
In another thread someone mentioned calling and asking the company to vacate judgment. I called them this morning and spoke to a very professional lady. She was firm and said "NO, You owed the money, we collected." End of conversation.
I live close to the courthouse and think I will go up and ask how notification was done. The two judgments in my county are from the same collection agency and were only from 2010 so they have a long time to go before they will fall off.