If you have judgments against you, they can sometimes appear for longer than 7 years on your report, but the laws vary in each state. Judgments can also be re-filed after they expire. Judgments are filed in a fi fa document at your local courthouse.
Regardless of your state’s laws, you should also challenge any judgments that are older than 7 years, because the burden of proof is put on them, not you, and you may get it removed.
If you decide to settle a judgment by paying it off, or having an attorney negotiate for you, make it a condition that all negative information will be deleted from your file by the creditor. Don’t forget to get everything in writing.
Regardless of your state’s laws, you should also challenge any judgments that are older than 7 years, because the burden of proof is put on them, not you, and you may get it removed.
If you decide to settle a judgment by paying it off, or having an attorney negotiate for you, make it a condition that all negative information will be deleted from your file by the creditor. Don’t forget to get everything in writing.
No comments:
Post a Comment