There is a judgement in my credit report somewhere

What is the name of your state? Florida

I plan on filing chapter 7 bankruptcy...

if there is a judgement in there...what does this mean to my ability to file chapter 7 bankruptcy?

dont ask me what the judgement was...because i barely saw it when i was trying to fincance a used car

i dont really have much money to go out and order a credit report and dont feel like getting denied credit to obtain a free copy of my credit report...so please answer the question without getting sidetracked...what would the potential outcomes be...

would it stop me from filing?

thanks

If you are filing bankruptcy yourself, you definately need your credit reports. You want to make sure that you're not missing/forgetting anyone or any debt.

Listing the creditor who owns the judgment will erase the debt owed, but it will not erase the judgment.

You'll need to ask your lawyer to also file the paperwork necessary to vacate that judgment.

That will be a cost over and above the bankruptcy case.

thanks alot...but what does the judgement mean...say the debt is erased but the judgement is still there what does that mean in layman's terms?

thanks so much

Sunsneak....

I was in the same boat as for as CR**************....what I figured out I could do, was call one of the credit report companies, 1 800 numbers, and instead of saying, "no" I haven't been denied credit, I pushed the number saying, "yes," I have......it's computer automated.

They don't know...and I received my credit report in less than a week...might be dishonest....but I had no other way to get one.

The one I called was Experian...I don't have the numbers handy right now, but I am sure you could look them up**************

works wonders i got mine in 2 days flat!!!

In other words, after you list that debt in your BK petition and get your discharge, you will no longer owe that debt.

However, the court in which the judgment was granted is not privvy to that process and won't have any way of knowing (or caring) that the debt itself, on which the judgment is based, no longer exists.

Therefore, you have to take some action to get that judgment vacated (erased) by going to the court that issued it.

Hope this answers your question.