edubb007 Posted August 10, 2003 Report Share Posted August 10, 2003 After I negotiate a $$$ amount with a creditor that has a judgement. How do I get it removed from the CR? I have not paid yet and want it negotiated for removal before I pay. Is there paperwork they have to file where they filed the original paperwork? Thanks 8) Link to comment Share on other sites More sharing options...
admin Posted August 10, 2003 Report Share Posted August 10, 2003 bump Link to comment Share on other sites More sharing options...
sisflomi Posted August 14, 2003 Report Share Posted August 14, 2003 They would need to send a paper of satisfaction to the court house. They could also send in a dismissal form I think it is called. It is up to them what they want to do. I think the dismissal is best, as it means there was never a judgment or something like that. I would call the court house and ask them just what needs to take place. I think a satisfaction would or could still show up on cr. Link to comment Share on other sites More sharing options...
Randysbarb Posted August 15, 2003 Report Share Posted August 15, 2003 I just found out that I also have a lein from 1998. It was settled from my state taxes in 2001. It was showing as open on my CR so I disputed and EQ just verified it as paid. It is still showing on my report but now showing as zero balance. Date satisfied 2001. EQ rep told me that it would stay on my CR 7 years from the date satisfied. Link to comment Share on other sites More sharing options...
almost_there Posted August 21, 2003 Report Share Posted August 21, 2003 I'm not sure about a dismissal, but a satisfaction is going to stay on a CR just like a paid chargeoff or paid collection would. I will call my "friend" at the court house in my home town and try to get more info for you about this. I am guessing these sort of things are similar all over the country and therefore, anything I find out in my old home town court house will probably help us all.For instance, when I spoke to the clerk of court office worker, she told me that they do not report judgments to CRA's. It sounded like there was a third party involved (I will have more information on this by Monday, I am going home to see my folks this weekend) that reports the info. She said that if I settled my judgments that I needed to make sure I get a satisfaction signed and on record at their office (basically just be sure the plantiff signs in exchange for the settlement).My game plan for my 3 judgments (all former landlords, one a$$hole sued us twice ) is to offer settlements and dispute not mine. I am reasoning that if the court house doesn't report it that maybe they won't bother verifying it either. If it does get verified, I plan on asking the CRA's "hey, how'd you do that?" But, then again, that might not be necessary if I can find out more about dismissing a judgement. If that will remove it, I'll go that route.Anywhoooo....I will be absolutely sure to find out more about this type of situation and report my findings back to the group Link to comment Share on other sites More sharing options...
Randysbarb Posted August 21, 2003 Report Share Posted August 21, 2003 Spoke to a lady at the Greenville County (SC) courthouse yesterday. She told me that all three CRA's send someone around once per month to get a look at new public records. They are then recorded at the CRA. I also questioned a guy at EQ and he did not deny this but wouldn't confirm either. Link to comment Share on other sites More sharing options...
almost_there Posted August 21, 2003 Report Share Posted August 21, 2003 Ok, so I called the court house today and I was told pretty well the same thing as Randysbarb. Someone comes around "all the time" and collects the records of judgments. It sounds like they do it at least monthly.When I asked the lady how it got on there without them reporting it, she said that I must have applied for credit somewhere and the creditor hired someone to find out if I had any public records and then they got reported to the CRA's. I asked her "what if these are disputed and someone calls you up and asks you to verify the information...""we can't do that" she said, "it would be illegal. We can not do searches for people just to report to the credit bureaus. There would be too much liability to us."So, the CRA's do dig for negative information to add to their files, which I would think would be defamation...if they do public record searches on their own, then why have I been married for nearly 7 years with no marriages on file!? Because they aren't looking for public records, all public records, they are looking for negativity like judgments and bankruptcy. The bastards!On my own case, I found out the following...When I asked about getting a judgment dismissed, she said that a judgment can only be dismissed before it is entered by a judge, as in "case dismissed." She said that what I need is a Release of Judgment or Release and Satisfaction (same thing, she said) signed by the creditor/plantiff. So, she is going to type up the Release paperwork for my 2 judgments in her county. I can then send those along with my settlement offer for the evil one to sign. He can mail them back to me upon settlement, I will then make copies for myself, any lenders that I will want to show, and also send copies back to the court house to be entered on the books.My plan remains to settle ASAP and dispute not mine. But I think there may be room for complaint here, maybe even a class action against the CRA's for deliberately collecting this damning information against us all. If they truly wanted accuracy, then why dig only for everyone's bad information? Anyone else care to comment on that angle? Link to comment Share on other sites More sharing options...
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