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Newbie looking to settle


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I want to improve my credit and settle on 2 accounts/

a collection ($17.5K) with Capital Management Services Inc In Buffalo, NY

and a Judgement (13K+ costs) with CACV of New Jersey represented by Bronson & Migliaaccio. I ignored the judgement which was back in March 06.

What is my best step to settle and start my credit repair now? What is the best wording?

How do I go about the judgement? Do I need a lawyer? can I do this myself?

any help woudl be appreciated

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