SomeGuyInNY Posted November 26, 2020 Report Share Posted November 26, 2020 I was sued by Cohen and Slamowitz (now Selip and Stylianou) in 2008 for credit account with Discover. They won by default because I was unaware that they sued me. They delivered summons (nail and mail) to my old address (I had moved a few months before). I never received the summons. Fast forward to today. Judgement no longer shows on CR (believe it dropped off around '15). Credit score now 750+. They never garnished wages, or froze bank account. Wife holds mortgage in her name, but now we're looking to build, and her credit score and DTI is just shy of what we need to do to make our construction loan a reality. Bottom line, I need to be on mortgage application. I know the real property lien is only viable for 10 years in NY. Problem is under declaration on mortgage app, I'm required to answer if I have any outstanding judgements. Original debt was about $2.7k. Judgment was around $3k (I went to courthouse and had all the info printed out, about 6 pages total). I think with interest (9% in NY I think) after 12 years it's around $6.5k. My question is what is the best course of action in my case. Should I file to vacate or hire an attorney to do so on my behalf? Or would that just be poking the hornet's nest. Do I call and negotiate payment? Looking for advice. Quote Link to comment Share on other sites More sharing options...
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