What is the name of your state?All legal help is much appreciated. Thank you, in advance, to all replies.
I have paid / satisfied a judgment that was filed on 06/2004. I live in Florida and the judgment was filed in New Jersey. I paid this judgment in full on 10/2004 after first discovering it on my credit report when applying for a mortgage. In short, back in 2003 and early 2004 I was part owner of a small business. The plaintiff was a supplier that we did business with and, although we had a business account with them, I signed a personal guarantee against any unpaid amounts. The business closed in March 2004 and, as far as I knew, we had no debts to anyone. The address was no longer ours and there was no forwarding address since it was a mailbox service. I never knew of the balance owed ($530) nor was served any papers (I assume the letters were sent back or the new mailbox owner got them and hopefully sent the RTS). Without my knowledge, the claim was made and the judgment was rendered on 06/2004.
As I said before, I discovered the judgment on 10/2004 after a mortgage broker pulled my credit report. Without hesitation, I contacted the creditor and paid for the judgment immediately. I must add that they were not much help after the fact because I had to file a Motion to Satisfy to the courts even though they agreed to send the letter of satisfaction directly (they never did).
As of this date, only TransUnion is reporting the judgment (originated 10/2004, paid 10/2004). I have read from other posts that one could simply ask the creditor to request deletion of the report -- But even if this is true, I know the plaintiff would never do it (they did not even notify the courts of my payment even after they promised several times).
I just learned of VACATING a judgment. But how can this be done if it is way past 180 days after I learned of the judgment? Also, I live in FLORIDA and the original judgment is in New Jersey.
Someone please explain in detail what I can do (other than waiting another 6 years). This is adversely affecting my credit score.