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Judgement and statute of limitations


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Ok I had a credit card back in 2002 I failed to pay on. I was taken to court in 2005, but I never knew it because I was out of state on deployment. I ended up losing (of course because I wasn't there) and got a judgement against me. Now while trying to clean up my credit to buy a house I checked my credit and found out about it. I sent them a copy of my orders and THEY filed with the court to vacate the judgement. Now how do I get this taken off my credit report? Also can they come back and try to sue again? Indianas statute of limitations for open ended accounts is 6 years. Thanks!!!

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Usually, a lawsuit tolls the SOL on a debt (stops the SOL clock). Considering you were never, I don't see how the SOL would have been tolled. BUT, I suggest contacting an attorney to make sure that the debt is now outside the SOL. You might also ask if the law violated the FDCPA by obtaining a default judgment since you weren't served.

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