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  1. Hello! I have a repossession on my credit report from 2008, and a judgment entered for it from 2010. (Yay, divorce!) They have never actively tried to collect on it. Since it's been so long, I'm wondering if anyone has ever had success trying to negotiate on a judgment? Also, what steps can I take to protect myself and my bank account in communications with them? I'm willing to make payments to get it paid off because I really want to buy a house, but I don't want to be garnished. Thanks!