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What to do first?


a_movingtarget
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Hey forum,

Here is a snapshot of my situation, maybe someone can help me by advising on what to do first:

1. Judgment: Collection Agency for $5019--continue on record until July 2011.

(also have another judgment that I paid and now shows up 2x both as paid, weird hoping that goes away soon...)

2. A few random collection accounts and 2 charge offs. Some of the collections should drop off next year sometime.

I would appreciate any input on how I should proceed. i.e. Should I try to settle for a % of the (1.) judgment and ask for a written document stating removal from CR, or should I pay the collections that will not drop off for a while still?

THANKS!!!!

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Here's one...

The judgement from the collection agency says "medical" in my equifax report but I have never had a significant medical procedure or even a medical bill that amounts to $5019 or anywhere near that amount. In fact, since I've been a teenager even, I've been to the doctor less than a handful of times and only for the odd cold. What do the experts suggest with that little doozie?

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Just more proof that the CRA's and the debt collection business in general are a bunch of crooks with no regard for the folks they screw along the way.

If you dispute that item as "not medical" I wonder if they just remove the notation. Worth a shot for sure. The tradeline could miss verifying it, but for that dollar amount I bet they won't.

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Just more proof that the CRA's and the debt collection business in general are a bunch of crooks with no regard for the folks they screw along the way.

If you dispute that item as "not medical" I wonder if they just remove the notation. Worth a shot for sure. The tradeline could miss verifying it, but for that dollar amount I bet they won't.

It might just glue it to his credit report, since he's admitting that he owes the amount....

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