Why Do I Need A Lawyer 

Remove Judgments from Your Credit

Author: John Cooper

A judgment is also commonly referred to as a default judgment or credit card judgment. This is simply a variation of the same meaning.

You have been found to be legally responsible for a debt. This will happen in a court of law.

The creditor has sued you and won their case. This gives the creditor legal grounds to have your wages garnished to pay back the debt.

This will cause you credit score to be negatively impacted, it is a very derogatory mark to have on your credit. Judgments can be sought after for any sort of unsecured debt, it is common for collection agencies to seek judgments.

This mark will remain on your credit file for 7 - 10 years. It depends upon what state the case was filled in and what the statutes of limitations are in that state. It is also common for lenders to seek a renewal judgment if the debt has not been repaid at the end of 7 or 10 years.

This makes it very difficult to ever remove a judgment from your credit. However it can be done and with a little luck you may not even have to pay it.

I recommend you first disputing the judgment with the credit bureaus. This is done by writing a dispute letter in which you explain why the listing is wrong and should be removed.

The bureaus will then hold an investigation. They will try and verify the debt and the amount of the debt with the lender or collection agency.

If the debt is not verified or found to be inaccurate then the bureau must remove the mark from your credit report. Often investigations result in a mark being erased.

However a judgment is such a severe mark that it doesn\'t have as good of chances of being removed. This often means you are stuck with the listing.

However in some instances a judgment is wrong and inaccurate. Thus it should legally be removed from your credit.

This is when I recommend a credit attorney. They will be able to use their expert knowledge and when necessary go to court to prove that the judgment is not right and should be removed.

You can actually hire a credit attorney at a reasonable rate. Lexington Law has 22 credit attorneys on their staff and they can be hired at under $80 a month for the top of the line service.

To learn more about how to remove judgments or for a free credit repair letter or for more information on how you can dispute equifax or dispute experian visit us.

Videos

Lawyer Headlines

NH jury deliberates federal drug liability case - BusinessWeek

NH jury deliberates federal drug liability case BusinessWeek "It literally burned her alive," Bartlett's lawyer, Keith Jensen, told jurors during closing arguments Thursday. "It burned 65 percent of the skin off her ... and more »

EXCLUSIVE: NJ Housewife Teresa Giudice's Lawyer Pushing For Private Sale of ... - Radar Online

EXCLUSIVE: NJ Housewife Teresa Giudice's Lawyer Pushing For Private Sale of ... Radar Online Her lawyer told RadarOnline.com exclusively that they are now hoping to conduct the sale privately. “We concluded that we do not believe that a public sale ... and more »

Gables mayor's race attracts retired diplomat and lawyer with political ... - MiamiHerald.com

Gables mayor's race attracts retired diplomat and lawyer with political ... MiamiHerald.com The former head of the US Interests Section in Havana -- who earned a reputation as an aggressive critic of President Fidel Castro during ... and more »

Big Madoff lawyer haul - New York Post

Big Madoff lawyer haul New York Post Hundreds of Ponzi king Bernard Madoff's victims yesterday challenged the latest mega-bill from his bankruptcy trustee -- which seeks $34 ... and more »

Family of Human Rights Lawyer Flees Iran - Ms. Magazine

AFP

Family of Human Rights Lawyer Flees Iran Ms. Magazine The wife and daughter of Iranian human rights lawyer, Mohammad Mostafaei, both arrived in Norway yesterday, where the family is seeking asylum. ... Joy for stoning lawyer as family flees IranThe Australian Human rights lawyer who fled Iran is reunited with familyCNN Iran stoning lawyer reunited with familyThe Associated Press The Associated Press -Middle East Online -FOXNews (blog) all 150 news articles »

BHP Pledge on Potash Jobs Would Get Deal Approved, Lawyers Say - Bloomberg

The Guardian

BHP Pledge on Potash Jobs Would Get Deal Approved, Lawyers Say Bloomberg Clement may ask BHP for additional concessions, said Subrata Bhattacharjee, a Toronto-based lawyer at Heenan Blaikie LLP who specializes in competition and ... Analysis: China posturing on potash sector dealsReuters all 1,115 news articles »

Lawyer: Ford, family settle in player crash death - The Associated Press

Reuters India

Lawyer: Ford, family settle in player crash death The Associated Press ... over a 2001 accident in which a New York Mets prospect was killed when his SUV crashed in the Florida Panhandle, a lawyer for the player's family said. ... Lawyer: Ford, family settle in player crash deathThe Associated Press The $131M Ford Rollover Death Verdict That Twitter BrokeFast Company all 273 news articles »