found a judgment that's NOT reporting!

[Anonymous]

Hi all,

I don't know quite what to do with this! I went to look for old tax liens that had been vacated on my husband's CR, and I could look up anything filed with the county under his name. It was easy, and clearly the liens had been vacated. HOWEVER, there is a judgment there that I wasn't sure existed. They had said they filed, but it's not in any credit report, and the OC is still reporting it. The lien is for more than the OC is reporting. I believe I was served by mail, but I can't remember.

I just PFD'd them via fax, and not to the attorney, but to the corporate headquarters. Now I'm worried I'll wake a sleeping dragon. I can't pay in full. Should I contact the attorney? Can I do a "Pay for Vacation" of that judgment?

Thanks for any help...this is upsetting!

[llecs]

Per any PFD, I'd do a one payment plan, IMO.

For reporting, between DW and myself, we had about 6 judgments (all default) for various debts long before we started repair. Of the 6, only one every reported and it double reported at that, but both naturally fell off. I'm not one to ask for PR advice, but I think it is based on the court as per reporting. Or maybe we got real lucky.

[Anonymous]

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@llecs wrote:

Per any PFD, I'd do a one payment plan, IMO.

Did you PIF? Or did you offer a percentage? And nothing that didn't report started reporting?

Thanks!

[llecs]

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likewise wrote:

Did you PIF? Or did you offer a percentage? And nothing that didn't report started reporting?

Thanks!

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In my case, DW and I had 3 medical judgments, one Verizon (Bell Atlantic), a utility, and a state tax lien. All of this was before I knew anything about repair or even cared for all its worth. Verizon was the only one to report. It actually reported via the OC, 2 different CAs, and 2 different PRs for the same debt. They garnished DW's wages (only $125 or so) and probably within a year or two all accounts disappeared off her CRs.

And come think of it, one other did report, but only for a few months and we never paid. We didn't pay on any of the others, except for the tax lien. The others never reported. Except for the tax lien, all of the DOFDs were from 1995-1999. The only one collecting today is the tax lien and that was from 3-4 yrs ago and we are down to just $800 by making semiannual payments. The last payment comes in November. Never negotiated with them, but made large payments ($3k-$5k each) and I guess that keeps them quiet.

Since owning up to debts and credit accountability last August, I offer everything via PIF now.  I guess my opinion would change if I owed $10k plus where reducing by 30% saves a large chunk of needed money.