Vacating a Satisfied Judment from 2012

[HelpMePlease200]

What is the name of your state (only U.S. law)? Montana

Hi All,

I am new to this board and I am hoping that this is the best step I ever took to resolve my credit problem.

In 2012 while I was a student in Montana, I had a medical bill that my insurance refused to pay (they are thieves I swear).

Anyways, the clinic sent it to collection agency and they got a judgment against me (~$600) and it was satisfied.

At that time I was a kid, I never gave it too much attention as I didn't know how this would affect me in the future. Now in 2015 I am married and I have a kid and I live and work in Seattle. I am trying to buy a house and my credit score is hit because of this problem (please note that this is the ONLY NEGATIVE thing in my credit score). I know for fact that I can get a loan with my current credit score, but I also know it is not going to be the best rates. All this is because a stupid mistake I did a few years back!! I know that I will pay many thousands of dollars more in mortgage (over the years) because of this thing!!

I called the court in Montana and explained the situation to the clerk, she was really nice enough to mail me some papers (motion paperwork) so that I mail it back and she will present it to the judge. I would like to write to the judge but as you can see I lack the "lawyers lingo" and I am afraid I would not use the right words and my case my be rejected.

I am posting here to see the possibility if anyone can help me with a sample of this letter. Something I can write with the right words.

My family and I will appreciate it so much!!

Thank you very much in advance!

~P

 

[quincy]

What is the name of your state (only U.S. law)? Montana

Hi All,

I am new to this board and I am hoping that this is the best step I ever took to resolve my credit problem.

In 2012 while I was a student in Montana, I had a medical bill that my insurance refused to pay (they are thieves I swear).

Anyways, the clinic sent it to collection agency and they got a judgment against me (~$600) and it was satisfied.

At that time I was a kid, I never gave it too much attention as I didn't know how this would affect me in the future. Now in 2015 I am married and I have a kid and I live and work in Seattle. I am trying to buy a house and my credit score is hit because of this problem (please note that this is the ONLY NEGATIVE thing in my credit score). I know for fact that I can get a loan with my current credit score, but I also know it is not going to be the best rates. All this is because a stupid mistake I did a few years back!! I know that I will pay many thousands of dollars more in mortgage (over the years) because of this thing!!

I called the court in Montana and explained the situation to the clerk, she was really nice enough to mail me some papers (motion paperwork) so that I mail it back and she will present it to the judge. I would like to write to the judge but as you can see I lack the "lawyers lingo" and I am afraid I would not use the right words and my case my be rejected.

I am posting here to see the possibility if anyone can help me with a sample of this letter. Something I can write with the right words.

My family and I will appreciate it so much!!

Thank you very much in advance!

~P

Your credit reports should indicate that the judgment against you was satisfied, this if the collection agency recorded the satisfaction of judgment with the court as they should have once you paid what was ordered. You are now trying to have the satisfied judgment vacated because of the negative effect the satisfied judgment is having to your credit (vacated judgments are deleted from one's credit history whereas satisfied judgments remain for seven years). Am I correct in my understanding?

First, no one on this forum can help you draft either a letter to the judge or a motion to the court. That would be the unauthorized practice of law for members of this forum who are not attorneys, and it would violate professional codes for those who are attorneys, not to mention that it violates the terms and conditions of this site. You will need to seek out legal assistance from an attorney licensed to practice law in your area.

Here is a link to Montana Code Rule 60, Relief from Judgment or Order: http://leg.mt.gov/bills/mca/25/20/25020007600.htm

Good luck.