How do you remove a judgement that was placed on your credit report that was paid in full prior to due date?

Question

The balance was paid IN FULL prior to it becoming a judgement, so how do they still place it on your credit report?

Answer 1

Did it go this way:

You received a summons.

You go to the collector or their lawyer and make a deal with them to pay, maybe for a portion as payment in full or paid in full.

They agree and you pay.

Then they tell you not to worry about showing up on the court date.

You believe them and don't show up.

They show up and get a default judgment against you.

?

Sadly that type of thing happens quite often.

IF you have the payment agreement in writing and can prove that it was paid before the judgment was granted, you need to file a motion to have the judgment overturned.

Once a judgment is granted, you have a limited time to handle this.

If you don't know how to handle it, I would suggest speaking to a lawyer about it.

You paid them before the court date, legally they should have stopped the case and they didn't. Don't let them get away with poisoning your credit reports for the next 7 years.

Answer 2

Ummm....how did they get a judgment against you if the balance was paid in full ?  That doesn't happen, unless you paid it the day before court, and then failed to show up at the courthouse for the hearing.

If you failed to appear to inform the court that it had been recently paid, they're going to find in favor of the plaintiff and award a judgment.

Now that you HAVE the judgment, good luck in getting it removed.  It's a long drawn out process, and your creditor probably won't feel very obliged to cooperate.

Answer 3

If it was paid in full prior to court, then there should have been no judgment entered. However, if you paid the collection agency or creditor and they did not withdraw in time and you did not show up for the hearing then they issued a default judgment. I would dispute it with all 3 credit reporting agencies and if that don't work you may want to get a consumer advocate attorney.