First of all, the CA can collect forever if they want to (and a lot DO). Regardless of SoL and CRTP, it remains, legally, your debt.
If you REALLY don't want the CA contacting you, and you ARE out of SoL, send them a "Cease and Desist" letter. All that really does is state that according to the FDCPA, they can no longer contact you. Make absolutely sure, though, that your debt IS out of SoL ... otherwise, they'll sue you.
Second of all, paying the judgment won't increase your score one bit. If anything, it will either drop it or let it stagnate for a while. When you pay it, you've just updated the thing which makes FICO see it as newer. In any case, though, FICO scores paid AND unpaid judgments the same. Paying them only makes your CR look nicer to a human being during a recon or a manual underwrite.
Soooo .... ASAP, you need to get it vacated. Once it's paid, file the motion to vacate. If the debt's paid, the atty has NO reason to show up and object to the motion. And even if the atty's a huge jerk, he still has to do what his client tells him to do. And I can't see the guy you owe paying over $600 just to mess with you!
If you REALLY don't want the CA contacting you, and you ARE out of SoL, send them a "Cease and Desist" letter. All that really does is state that according to the FDCPA, they can no longer contact you. Make absolutely sure, though, that your debt IS out of SoL ... otherwise, they'll sue you.
Second of all, paying the judgment won't increase your score one bit. If anything, it will either drop it or let it stagnate for a while. When you pay it, you've just updated the thing which makes FICO see it as newer. In any case, though, FICO scores paid AND unpaid judgments the same. Paying them only makes your CR look nicer to a human being during a recon or a manual underwrite.
Soooo .... ASAP, you need to get it vacated. Once it's paid, file the motion to vacate. If the debt's paid, the atty has NO reason to show up and object to the motion. And even if the atty's a huge jerk, he still has to do what his client tells him to do. And I can't see the guy you owe paying over $600 just to mess with you!
First of all, the CA can collect forever if they want to (and a lot DO). Regardless of SoL and CRTP, it remains, legally, your debt.
If you REALLY don't want the CA contacting you, and you ARE out of SoL, send them a "Cease and Desist" letter. All that really does is state that according to the FDCPA, they can no longer contact you. Make absolutely sure, though, that your debt IS out of SoL ... otherwise, they'll sue you.
If you REALLY don't want the CA contacting you, and you ARE out of SoL, send them a "Cease and Desist" letter. All that really does is state that according to the FDCPA, they can no longer contact you. Make absolutely sure, though, that your debt IS out of SoL ... otherwise, they'll sue you.
The CA never contacted me, ever. It just showed up on my report one day. I am certain it is from an unpaid bill that has since scrolled off on the 7 year limit. Regardless, sol is 4 years.
Second of all, paying the judgment won't increase your score one bit. If anything, it will either drop it or let it stagnate for a while. When you pay it, you've just updated the thing which makes FICO see it as newer. In any case, though, FICO scores paid AND unpaid judgments the same. Paying them only makes your CR look nicer to a human being during a recon or a manual underwrite.
Second of all, paying the judgment won't increase your score one bit. If anything, it will either drop it or let it stagnate for a while. When you pay it, you've just updated the thing which makes FICO see it as newer. In any case, though, FICO scores paid AND unpaid judgments the same. Paying them only makes your CR look nicer to a human being during a recon or a manual underwrite.
Well, the reason that I am paying it i(other than it is the right thing to do) is I plan to get a mortgage in the next year.
Soooo .... ASAP, you need to get it vacated. Once it's paid, file the motion to vacate. If the debt's paid, the atty has NO reason to show up and object to the motion. And even if the atty's a huge jerk, he still has to do what his client tells him to do. And I can't see the guy you owe paying over $600 just to mess with you!
Soooo .... ASAP, you need to get it vacated. Once it's paid, file the motion to vacate. If the debt's paid, the atty has NO reason to show up and object to the motion. And even if the atty's a huge jerk, he still has to do what his client tells him to do. And I can't see the guy you owe paying over $600 just to mess with you!
He is a huge jerk. I didn't think about it from "his client's" point of view though. I have a decent change of getting it vacated then because the client actually is pretty nice, I was the stupid idiot that let the issus go so long.
And I forgot something, my youngest account will turn 1 yr old in November which I am told is another good way to earn a few points.They all add up!
If that's the case on the one debt, go ahead and send a C&D letter. Some CAs are so crappy and pathetic that they'll harass you day and night over a $5 debt! 
As to the judgment, yep, pay it off and then have it vacated. Some states charge up to $200 in filing fees, but a lot of states don't charge a thing.
Lastly, yep, no matter how much of a jerk the atty is, it's still the plaintiff's decision ultimately as to answer a motion or not. Best scenario would be if they refuse to answer at all. Then you'd go to a hearing and the judge would dismiss/vacate automatically (since essentially, the plaintiff "defaults" by not answering or appearing).
Then wait about a week or two (safest time to wait is about a month or two, though, depending on your local court system) for the motion to "seed" through the recording office(s) and send the paperwork into the CRAs!!
Yep, they all add up!! Best of luck to you!!
As to the judgment, yep, pay it off and then have it vacated. Some states charge up to $200 in filing fees, but a lot of states don't charge a thing.
Lastly, yep, no matter how much of a jerk the atty is, it's still the plaintiff's decision ultimately as to answer a motion or not. Best scenario would be if they refuse to answer at all. Then you'd go to a hearing and the judge would dismiss/vacate automatically (since essentially, the plaintiff "defaults" by not answering or appearing).
Then wait about a week or two (safest time to wait is about a month or two, though, depending on your local court system) for the motion to "seed" through the recording office(s) and send the paperwork into the CRAs!!
Yep, they all add up!! Best of luck to you!!