Judgement Gone Belly Up

[Appraisals]

What is the name of your state?Or.

What is the name of your state? Or.

A judgement in the amount of $407.00 was filed against me in my absence in 1998. I was never contacted by the Court or the Collection Co. of the Judgement. I don't even know what it is for and the county clerk has no Info. This past month when I went to Refinanced my Home this Judgement appeared on my Credit report. The County where the Judgement was filed has confirmed the Judgement, and gave me, the loan Co. and the Title Co. the Address and Phone # of the Collection Co. They are no longer in Business. The Letters sent to the Address Certified Mail are returned Undeliverable and the Phone # is no longer in Service. What Do I Do Now? The County Tells Me they are not alowed to give legal Advice. This "Ding" on my Credit has Effected the Intrest rate I Got for my loan, and the Title Co. has a Check for $407.00 Sitting in Limbo. The Credit reporting Agencies Confirm the Judgement with the County Who Says it is Valid. HOW DO I GET RID OF THIS.

 

[deadprincess]

Same problem

I have the same problem (see "Can't get no satisfaction (of judgment) in Connecticut. The court referred me to an attorney who is no longer in practice and the organization that hired him is ignoring me. I did find out that, in Connecticut at least, you can pay the court directly and they will issue a Satisfaction of Judgment and update the credit bureaus. In my case I would be paying it twice because I already paid the creditor the full amount 4 years ago.

Don't know if this helped you but no one replied to me yet so I at least wanted to share the part about paying the court - if you already have the money in escrow it might be worth looking into.

 

[dtown7]

The SOL is 6 years in OR. Is just the judgment showing up on your credit report or is the original debt showing up as well. Usually when you get a jugment against you the account shows up twice. The original account that was being reported as part of your credit history and then the jugment which shows up at the top of your credit report. If the original debt is showing up you can contact the credit bureaus and request an investigation regarding that debt. Since the company no longer exists then it can't be verified and has to be deleted. You should be able to use that as a stepping stone to get the jugment dismissed as well. If they are able to get in touch with someone regarding the debt you can request that info and contact them yourself to try and get it resolved. You should be able to call the court and find out what the time frame is to request a "vacate of jugment". If you are within that time frame then you can submit a request to vacate and explain yourself in the letter and in court. Since the company doesn't exist that should be an easy win for you.

 

[Ladynred]

The SOL is irrelevent in this case, there is a judgment already in place.
The time limit to vacate a judgment is long past and the money is there to be pay it.

I'd find out if the court can accept payment since the original parties are no longer available. Its also not unusual for judgments to be sold off to other collectors so just because the original judgment creditor is gone you can't assume that NO ONE owns it now.

 

[dtown7]

Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. That is why SOL is important as well. It can determine how long a judgment stays on your credit report which drags down your credit rating.

 

[Ladynred]

Yes and as long as the judgment remains UNPAID it can stay on his credit report. MOST of the time the judgment SOL is longer than the reporting period, and even if its not, if the judgment is renewed it is definitely longer by then.