In 2005 I recieved a letter from a CA lawyer saying that they were suing me in small claims court for $2040 for a discover card debt that was 5 years old or so without any real previous contact from them. Anyway, I agreed to pay if they would have the case dismissed, which they agreed to. However, when I paid it, the CA had the case dismissed with a judgement rendered by the courts of "Satisfied"
At the time I thought that was the same as having the whole case thrown out and that it would not appear on my CR. Now it is appearing on my report, and according to MyFico's analysis, it is hurting my Fico score even though it is settled.
I have contacted the courts for all the paperwork related to the case. I have contacted the "lawyer" (I put it in quotes becuase the "law" is the farthest thing from their minds) and they basically laughed me off the phone. They even said that they could vacate the judgement, but that they wouldn't. Then he said that I was wasting his time on the phone and hung up.
Does anybody have a clue how to get this thing removed from my CR. I have disputed it several times over the past year or so with no result. The big three did their usual half-assed run through the court, and relisted it.
Can the case be sealed? Can it be vacated by me? Can I have it removed. Any ideas will be helpful. Thank you so much. This is the one thing other than my credit utilization that is pulling my score down. (Don't worry I am working on the credit utilization every month with over time and ramen noodles 
)
)Thanks
Stephen
De nada!
Okay, your state court system has a form on their site that you can use:
http://www.mass.gov/courts/courtsandjudges/courts/districtcourt/generalpurposemotion.pdf
Fill this bad boy out and get thee to your local courthouse and file it!!
You want to (obviously) specify that you are the defendant and you want to DISMISS the DEFAULT JUDGMENT. On page two of the document, you'll explain WHY. Be prepared, if you can, to prove that you and the plaintiff made payment arrangements prior to the court date.
On the positive side, MA is a "self-help" state -- meaning, they allow citizens to file motions on default judgments without the help of an atty (some states discourage this). Negative side, filing will cost you roughly $200 in filing fees.
I don't think, after reading your last post, that the plaintiff was being a poophead. Since you made payment arrangements (instead of paying in full prior to) prior to the court date, they wanted some sort of assurance that you would keep to your word. Their approach was actually very common and not at all "illegal."
Okay, your state court system has a form on their site that you can use:
http://www.mass.gov/courts/courtsandjudges/courts/districtcourt/generalpurposemotion.pdf
Fill this bad boy out and get thee to your local courthouse and file it!!
You want to (obviously) specify that you are the defendant and you want to DISMISS the DEFAULT JUDGMENT. On page two of the document, you'll explain WHY. Be prepared, if you can, to prove that you and the plaintiff made payment arrangements prior to the court date.
On the positive side, MA is a "self-help" state -- meaning, they allow citizens to file motions on default judgments without the help of an atty (some states discourage this). Negative side, filing will cost you roughly $200 in filing fees.
I don't think, after reading your last post, that the plaintiff was being a poophead. Since you made payment arrangements (instead of paying in full prior to) prior to the court date, they wanted some sort of assurance that you would keep to your word. Their approach was actually very common and not at all "illegal."
