my best option?

[Anonymous]

Hi.

My case is this.

found out on a credit report I have a judgment on me for a total of: $9000

they come from 3 CC debts, even though the balance was about $2000 combined, but I guess late payments and interest are add it.

my record shows

CC #1. Closed, balance $0 last payment   08-14-2006

CC #2. Closed balance $0 last payment    04-04-2007

CC #3 Closed balance $0 last payment    01-16-2008

judment filed  02-09-2014 in NJ ( it has a 6year SOL)

what are my best choices for action now? 

I will like to take action to clean and start again. I have been out of the country most of the time (dealing with personal problems). I comming back to

start all over again. as you know beginnings are tough so i rather ry to safe as much so i can get things moving again.

What will be my best options here?

thanks for your time.

[Anonymous]

I just found out by doing a court search on myself that I have a Judgement by default of 14k plus 12% interest since 2009. It NEVER made it to my credit reports in 7 years. It most likely will make it there sooner or later. I called the Attorney that sued me because I want to clear it up (settle and pay). The Attorney told me that they sold it to Calvary Portfolio and that he would let them know. I still have not heard anything. So here I am calling and wanting to resolve this and still have not heard. I know Calvary will eventually send me something. It is my debt and I want to resolve it like I have on everything else.

If it's your debt, you have a few different choices. 1.) Don't poke a sleeping bear...2.) Call and get it resolved.

[Anonymous]

thanks donny10.

yeah, i am trying to decide.

1- I don't know if the judgment on my record will affect me on getting jobs or house rentals which will be important.

2- I guess the reports will fall off since they are beyong SOL so thats good. But the judgment will stay there for long time.

thanks again.

[AutoBot]

Were you ever served papers for the lawsuit? Sounds like you didn't know about the judgement. I wonder what the law is in NJ regarding being served.

[Anonymous]

i woulnt know. i had to leave my apartment and left the country to attend personal problems.

[Anonymous]

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@Anonymous wrote:

thanks donny10.

yeah, i am trying to decide.

1- I don't know if the judgment on my record will affect me on getting jobs or house rentals which will be important.

2- I guess the reports will fall off since they are beyong SOL so thats good. But the judgment will stay there for long time.

thanks again.

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You could settle it and then once satisfied go to the courts and file a motion to have it vacated. Did it (Judgement) just appear on your credit file recently?

[Anonymous]

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@Anonymous wrote:

thanks donny10.

yeah, i am trying to decide.

1- I don't know if the judgment on my record will affect me on getting jobs or house rentals which will be important.

2- I guess the reports will fall off since they are beyong SOL so thats good. But the judgment will stay there for long time.

thanks again.

---

A Judgement will/could be a problem applying for a mortgage. Depending on the position of employment such as financial responsibilities it could cause you issues.

[AutoBot]

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@Anonymous wrote:

i woulnt know. i had to leave my apartment and left the country to attend personal problems.

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That's too bad. In NJ it looks like the summons needs to be delivered to a person (individiual, individual's attorney, or anyone 14 or above that resides at same residence). They can't just leave the summons somewhere.

[Anonymous]

I don't plan to buy house anytime soon. and my jobs possibilities are art related so nothing big. I worry more about renting apartments, applying for a teaching job someplace, having paychecks garnish, stuff like that.

questions.

1- bad CC closed should come off my records by this time right? ( i do have good records in there so that should help)

2- what should i try to do about the judgment?

a-should I try to find out what CC i was sued for? (with the court or the CA?)

b- does it look like I might have a chance to vacate or dismiss? (remember i been out of the country for few years)

c- just leave it alone.

Trying not to make a mistake here and solve what i can.

THANK YOU!!!

[Anonymous]

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@AutoBot wrote:

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@Anonymous wrote:

i woulnt know. i had to leave my apartment and left the country to attend personal problems.

---

That's too bad. In NJ it looks like the summons needs to be delivered to a person (individiual, individual's attorney, or anyone 14 or above that resides at same residence). They can't just leave the summons somewhere.

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Of course they can just leave it anywhere. It's called "Sewer Trash". I was never served either, I had moved out of state but they claim to have delivered it  to my last address at the time. I'm not gonna fight it because utlimately it's my debt and I will pay it.