How can I remove a judgment from my credit report?

I was not served notice of a hearing. A default judgment was entered against me. I filed for a motion to vacate and was granted a hearing. A new hearing is being set to dispute the interest %26amp; fees awarded. With my tax refund, I will have enough to a pay the amount owed. However, I will not have the interest %26amp; fees. Should I call the atty %26amp; offer to pay if they agree to vacate the judgment? Will they do this? I have no assets to garnish %26amp; I live in Fl %26amp; am Head of Household. I did not agree to have my wages garnished. I want to buy a house in 2 years and will not be able to if this goes on my report. If I had been served notice, I would have came %26amp; perhaps worked out a payment plan. Please help. This is going to ruin my life and is making me very depressed. I am even willing to forego necessary dental work in order to pay this ASAP.

How can I remove a judgment from my credit report?

The judgment stays on your credit history forr 6 years. If it is vacated, then that too is noted but the judgment remains.

Common law is clear that it is the debtor%26#039;s obligation to seek out his creditors so the fact that you claim that you were not served is irrelevant.

Now the good news.

Just because you have a judgment on file does not mean that you will not qualify fo a mortgage. Many judgments are the result of a disputed charge and the banks are well aware of this. Simply explain at the time of making your application that they will find this on your history and if it was vacated.....let them know that. (Don%26#039;t use the excuse that you were not served). The bank will overlook that as long as the rest of your credit is good.

It%26#039;s best you deal with it as soon as possible.

How can I remove a judgment from my credit report?

Not everything you say rings true, but let%26#039;s say it all is. It%26#039;s still a little hard to answer not knowing what type of debt this is. In general, going to court is usually the last in a long line of steps creditors take to get their money back. The court allows the garnishment, and you have no say in whether it is done or how much of your income they can take (and it is surprising how little they leave you to live on!) I%26#039;m not clear on your legal proceedings-- you said you filed a motion to vacate and were granted a hearing, but you said the hearing was to dispute the interest and fees. That%26#039;s two different things. If you get the judment vacated, you should be able to get it removed, but if you are only disputing the amount, the judgment will stand. Contact the attorney now and see if they will accept a lower amount as a lump sum payment, or if you can work out a payment plan and keep it out of the courts. Have you checked your credit report and your credit score? Is it good other than that, or do you have other late payments or problem accounts? If you start now, you can have a pretty clean record and a good score in two years, so all is not lost. You might have to pay a higher interest rate at first, but after another year or two of clean living, your credit score will rock and you will be able to refinance to get a better rate. It%26#039;s not as bad as you think, as long as it all gets settled now, and your credit report stays clean for the next two years. Keep your chin up, your debts paid, and live within your means and you%26#039;ll have no problem getting a mortgage. Good Luck!!