Sunday, July 29, 2007

Chapter 7, Judgment removed from credit report, 7 years

I filed chapter 7 bankruptcy in va w/out an atty.All went well w/the creditors meeting on 5/22 and my current credit report reads; chapter 7 voluntarily discharged. however, i still have judgments on my credit report most read N/A under status and most are date from 2001 to 2004. how can i get these removed from my credit report?THANK YOU!
Get Judgement removed from credit report.
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"majors@oskie.com" / to Get Judgement removed form credit report /8:29 am
Judgements are matters of law that are not only permanently in court documents but are also filed on your credit report for 7 years and are not removable.
If the Judgement was not carried through in court and you included the account that was to be judged in your bankruptcy before the Judgment was carried out in court, then you might get them removed.
So you tell me what happened.
I would say they are too old to worry about now as they are both more than 2 years old. Get new good credit started here and do not look back.
http://www.credit.com/r/problem_credit/af=p39646&ag=
keep one or 2 of these open one year and your score will steadily rise as long as you do not go late on anything anymore.
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I thought they were too old to worry about as well. I think the last one was filed in 2004 HOWEVER i was looking into getting a mortgage as a first time homebuyer w/a cosigner and was told that until the judgments are removed i cannot get the mortgage as they will attach my house for pmt.
I did call 2 of the creditors and asked them about these judgments and they told me i had 2 options 1) pay them and they will remove them or 2) sue them
I said well i can't pay them (they are over 15000.00 medical bills) and they were included in my bankruptcy. she literally said"too bad then sue us if you want them removed"Is that even legal to do?thanks for the help
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I am sorry to say YES that is perfectly legal and their right by FTC law to collect monies owed.

Like I said before.
Did you get judged before your bk or or after?

If it was included in a bk and you have papers stating they were included file that to say the judgement has been satified as it was included in you BK.
use this form and maybe a 50 word letterSend it to the bureau and say account not reported accuratly. Included in BK. Paid
http://www.oskie.com/credit-dispute.htm
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I do not think that a prior legal judgement can be included in a BK.
matter of law
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so i do need to file a motion to avoid lien then? thank you for your help. I'm pretty surenow i will need an atty at an expensive cost. how can they not act on a judgment yet leave it there? i'm looking at my credit report as we speak.all of these companies were included in my bankruptcy and still they are not reporting as such. I did have 1 creditor who had a judgment against me, when i filed the bankruptcy i recieved a letter from them stating that the judgment had been cancelled. ?? why could they do it and not the others?
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http://www.oskie.com/after-bankruptcy-credit-report-repair-credit-card.htm
read the first part of this page
I do not know. But I guess you filed for BK before the judgements went through court
thats like my third time to ask that question.

I would say if the accounts were included in you bk please use this form and make sure the accounts are listed as they should be.
http://www.oskie.com/credit-dispute.htm

Wow

I am not a legal consultant but it sounds to me like you need some legal advice.
Might try a bankruptcy forum on yahoo questions. usually a lurking lawyer will answer the leagalities of issues.

Of course credit reporting is fraught with errors and most misreporting can be labeled as just an error or oversight when in fact it was intentional and deliberate to make one credit bad in light of non payments.
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I apologize but i thouught i answered that questionn. Yes they were filed before my bk. some were filed in 2001!and are listed as N/A (i think that mean no activity) I appreciate the help you have given me thus far. I will take it under advisement and also contact a bk atty for a free consultation too see what they say.THanks again!You have been a helpregards,

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