Joe B 0 Posted October 19, 2016 Report Share Posted October 19, 2016 Hello, Years ago my wife had a judgement against her that lead to her bank account being emptied and wages garnished until the judgement was satisfied. It happens. The collection company failed to report that the judgement was satisfied in 2014 and we are just now realizing it in 2016 because it is holding us up from buying a house. We have called them asking for it to be taken care of and are always routed to a messaging machine or promised that it'll be faxed where we asked only to have it not happen. To me, from my research and according to the FDCPA, they responsible for providing misleading information about a debt and that has been affecting her credit for two years now. What can we do to get this taken care of? It appears that there is legal retribution for their carelessness. Quote Link to post Share on other sites
Tesla2016 0 Posted October 19, 2016 Report Share Posted October 19, 2016 I'm no expert, but I've read many times on this forum that you should contact a consumer rights attorney in your area, preferably one that is a member of NACA (http://www.consumeradvocates.org/) Hopefully, one the experts on this forum will come along soon and give you a better answer. Good luck! Quote Link to post Share on other sites
BV80 2,797 Posted October 19, 2016 Report Share Posted October 19, 2016 1 hour ago, Joe B said: Hello, Years ago my wife had a judgement against her that lead to her bank account being emptied and wages garnished until the judgement was satisfied. It happens. The collection company failed to report that the judgement was satisfied in 2014 and we are just now realizing it in 2016 because it is holding us up from buying a house. We have called them asking for it to be taken care of and are always routed to a messaging machine or promised that it'll be faxed where we asked only to have it not happen. To me, from my research and according to the FDCPA, they responsible for providing misleading information about a debt and that has been affecting her credit for two years now. What can we do to get this taken care of? It appears that there is legal retribution for their carelessness. Were the payments made to a debt collector or to the original creditor? One thing that should be done right now is that the entry on the CR should be disputed with the CRAs. Quote Link to post Share on other sites
