TXConsumer1
Junior Member
Texas
I filed for Bankruptcy, but I had a judgment prior to that on a credit card debt. The credit card debt was included in the judgment. But the judgment is showing up on my credit report as a judgment and as not being satisfied. In researching, I believe I have to have the judgment vacated by filing a motion on the judgment to have it vacated and siting the bankruptcy code that says that judgments are void if the underlying debt was discharged in bankruptcy. After that, I can contact the credit bureaus and submit to them the updated judgment proceeding and have the judgments removed entirely from my credit report. I've tried to talk to 2 different lawyers to get them to help me with it, but they both say it isn't necessary or they don't know anything about how to do it. One was a consumer debt specialist and the other a bankruptcy lawyer. I've tried researching this to attempt to do it myself, but I can't find any good examples or instructions on filing the motion myself in Texas. I read through some of the Texas legal procedure documentation and can't find any reference to Motions to Vacate. Only Motion to Modify or Correct a judgment which appear to be only related to mistakes made during a trial, as opposed to the situation here, where a bankruptcy is basically overriding the judgment. Any advice would be appreciated. Thanks.
I filed for Bankruptcy, but I had a judgment prior to that on a credit card debt. The credit card debt was included in the judgment. But the judgment is showing up on my credit report as a judgment and as not being satisfied. In researching, I believe I have to have the judgment vacated by filing a motion on the judgment to have it vacated and siting the bankruptcy code that says that judgments are void if the underlying debt was discharged in bankruptcy. After that, I can contact the credit bureaus and submit to them the updated judgment proceeding and have the judgments removed entirely from my credit report. I've tried to talk to 2 different lawyers to get them to help me with it, but they both say it isn't necessary or they don't know anything about how to do it. One was a consumer debt specialist and the other a bankruptcy lawyer. I've tried researching this to attempt to do it myself, but I can't find any good examples or instructions on filing the motion myself in Texas. I read through some of the Texas legal procedure documentation and can't find any reference to Motions to Vacate. Only Motion to Modify or Correct a judgment which appear to be only related to mistakes made during a trial, as opposed to the situation here, where a bankruptcy is basically overriding the judgment. Any advice would be appreciated. Thanks.