hpotaliv Posted September 13, 2013 Report Share Posted September 13, 2013 Hello all like most mid 20 something years olds i am now attempting to get my credit in line. I was sued by my fraternity in college (only by one person who dis-liked me) for an erroneous amount of money ($3,000) being an air headed college student i thought that this would mean nothing because they had no case or reason to sue me for that amount. boy was i wrong. I recently got my credit report and realized that it WAS effecting my credit report. They took the case to court and got a judgment against me. I am in contact with the fraternity now who is willing to work with me but would love professional advise on what i should get in writing from them to have this settled AND taken off my credit report. And how/who i should send the paper work to have this removed from my report. Thank You all so much if you could help me, btw I am located in Florida. Link to comment Share on other sites More sharing options...
Harry Seaward Posted September 13, 2013 Report Share Posted September 13, 2013 Were you served with a summons and complaint? Did you appear at any of the court hearings? If you weren't served you can probably file a motion to have the judgment set aside and make a proper appearance and defend against the suit. BTW, this is probably better suited for the post-judgment forum. Link to comment Share on other sites More sharing options...
hpotaliv Posted September 13, 2013 Author Report Share Posted September 13, 2013 I was not served personally they (a fraternity adviser) left the paper work with a roommate of mine at my apartment while i was back home for 2 weeks. When i returned he gave it to me and the court date was 4 days out. I would defend against the suit but the fraternity is more than willing to write and sign what ever paperwork is needed to have this removed they are on my side at this point. So i assume my question would be what way would it get taken off of my credit report quicker paper work or defend? Or perhaps what would be better for me in the long run Thank you very much for your help! @HerrySeaward Link to comment Share on other sites More sharing options...
willingtocope Posted September 13, 2013 Report Share Posted September 13, 2013 Spend a couple hundred bucks and talk this over with a lawyer...maybe a faternity brother? You need to get a motion to vacate the judgement, and then inform the credit bureaus. (And, I gotta ask...what did you do to get sued by a fraternity?) Link to comment Share on other sites More sharing options...
hpotaliv Posted September 13, 2013 Author Report Share Posted September 13, 2013 Will having a written letter from the plaintiff (fraternity) help me in any way with the motion to vacate the judgment? And once i get the motion I assume it has to be approved by the courts? Am i on the right track? I am familiar with informing the credit bureaus about inaccurate information, so I again assume i get the motion pray it gets approved and then inform the cra's that it has been vacated and they take the judgment off my file? I Had the treasurer and president in my pocket I could manipulate and swing any vote in my favor, Spend funds how ever I pleased as the "social chair" that ment on parties not on what the "little guys" wanted. They informed the school of one of my non sanctioned parties got me expelled from the fraternity and thought it would be funny to stick the housing upgrades that year as destruction from me so they did the upgrades and in the judgment said they were fixing things I broke while there, which totaled to somewhere around $3,000. Link to comment Share on other sites More sharing options...
hpotaliv Posted September 14, 2013 Author Report Share Posted September 14, 2013 I just spoke to a friend that is a lawyer, he said i only had one year to file the motion to vacate judgment. and that year passed awhile back, what would be my next step in getting this removed you think? Again thank you so much for your help with this!!!! @willingtocope Link to comment Share on other sites More sharing options...
Harry Seaward Posted September 14, 2013 Report Share Posted September 14, 2013 I would guess the best success would come if the Motion to Vacate came from the plaintiff. Then, yes, once the motion is vacated, dispute the account with the credit bureaus. Expect it to come back verified, though. IME, judgments are the most difficult items to get removed from your reports. Link to comment Share on other sites More sharing options...
shellieh98 Posted September 14, 2013 Report Share Posted September 14, 2013 If the fraternity is on our side, then the ball is in their court. They have to be the ones to file judgement satisfied, or vacated. Who is reporting to your credit reports? They are also the ones that need to remove their tradelines. If the powers that be in the fraternity do not agree, then you are stuck with paying if that is what they demand, and they can do a pay for delete, meaning you come to an agreement, and in the stipulation, it states they will remove all tradelines from your credit reports. Link to comment Share on other sites More sharing options...
willingtocope Posted September 14, 2013 Report Share Posted September 14, 2013 Ah, "social chair"...Animal House? Any way...the major problems with judgements on your CRs is that first they are court records and second the court doesn't actually report them...the CRAs use "independent contractors" that scour court records nationwide and send what they find to the bureaus. So...what that means is like @Harry Seaward suggests...get the fraternity to file the papers with the court to either have the judgement vacated or "satisfied". Then, after a couple of months for the gibberish to filter thru the system, dispute it with the CRAs and see what happens. If it comes back updated to "Satisfied", that's probably okay. Link to comment Share on other sites More sharing options...
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