"1)I would like to update the public record that this judgement is vacated. If I give my bk dishcarge paper to public record clerk's office they said will just attach the discharge paper to the judgement again and they will not mention it is vacated eventhoug it is void. This record stays there for ever. If I get the vacated court order, this order will be attached to the public record."
** I think you are confused. The only 'public record' is the record held at the courthouse. And by filing your letter showing that the debt has been discharged, it will be a part of that record. You also mention 'public record clerk office'. There is no such 'animal'. Do you mean the county clerk?? If so, the county clerk has no record of the judgment, unless a judgment lien has been recorded.
"2) for CRA, if I send the discharge paper, they will update the judgement as included in bk instead of deleting it, thereby 1 more negative item remains for 5 more years from the judgement date.
If I send them the court order, they will simpy delete it, so 1 less negative item in the report increasing my score by 10 to 15 points."
**The judgment will NOT be just deleted. The CRA's records are purely that... records of happnings. Once the judgment is noted in the file, it will remain for the full 7 years. The only thing that will be done is to have that record amended to show that is was discharged in bankruptcy. That is the truth, and as such, is the ONLY requirement on the CRA. Also, in accordance with the FCRA, you can send the CRA a copy of the bankrupcty discharge and ask that the investigate and correct the report. They will do this without any further action from the judgment creditor.
"If I go through an attorney, he is charging 500 to vacate the judgement debt of 700( rather zero debt) so I am doing it by myself."
**Okay, but with all due respect, you are confused about the process and benefits.
"Is releasing or vacating a judgement mean the same? What other options I have to get it vacated, any case reference."
**No, they are different. A 'vacated' judgment is voided and reversed as if it never happened. A 'released' (or more accurately 'satisfied') judgment means that the debtor has fulfilled his repayment obligation and the judgment has been paid.
"Thanks for your help"
**You're welcome.