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What are the repercussions of submitting a fact information sheet to a collection firm?  I have a judgment against me in small claims that orders the sheet to be submitted if I can't satisfy the judgment within 45 days.  I am able to neglect other bills & pay it off in full before the submission deadline.  Should I pay it off and not submit the fact information sheet or submit the sheet and wait and setup a payment plan.

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If you don't pay the judgement in full and don't submit the information sheet as ordered by the court, then you could be hauled into court on contempt charges, which I would want to avoid at all costs.  You have a judgement, so the "fact information sheet" is likely just a regular debtor's exam.  You can't avoid it.

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