Civil Judgment

Will a civil judgment affect my credit?

My question relates to a civil judgment and potential impact on my credit score. I was involved in an auto accident and have been sued by the other driver. My insurer has provided me with legal representation and the damages claimed by the plaintiff are small (the dispute centers primarily on the replacement value of his car and the max of the claim is around $5K) and would be well within my insurance coverage amount. I am planning to buy a home in the next few months so I am watching my credit score closely and was wondering if a civil judgment, that is paid by my insurance company, would have a negative impact on my credit score? Thanks.

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Bill's Answer
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  • Review how a civil judgment lowers your credit score.
  • Consult with an attorney, when facing a legal judgment.
  • Try to settle your case, before a judgment is entered against you.

Having a civil judgment against you will likely damage your credit score, but how much it will reduce your score greatly depends on the other items appearing on your credit report. For example, if you have numerous accounts reporting long positive payment histories, this single blemish on your report should not be detrimental to your credit profile. However, if you do not have a substantial positive credit history to balance out the negative impact of the judgment, your score could drop significantly.

I am glad that you have legal representation in this court case. You should work with your attorney to determine the best course of action available to you under the circumstances. Explain to your attorney that you are planning to purchase a home, and that you are worried about a judgment damaging your credit score. He may decide that settling the case, thereby preventing a judgment altogether, is the best course of action. Also, in some states, if a judgment is paid before it is recorded, it will never become part of the judgment records, and will therefore not appear on your credit report. Once a judgment is entered, you may be able to negotiate with the judgment creditor (the Plaintiff) to file a motion to have the judgment expunged as part of the settlement agreement. These last two options are much more difficult and time consuming that simply settling with the Plaintiff before the judgment is issued. Unless some fact that you do not mention in your question precludes settlement, I think you should discuss settlement options with your attorney before a judgment is entered against you. A judgment will almost certainly damage your credit score, so if a judgment can be avoided through a settlement, I would encourage you to consider that option.

To learn more about credit and credit scoring, visit the of Bills.com Credit Solutions and Resources page. See also the resources Collections Advice and Wage Garnishment and Liens & How to Resolve Them to learn more about your rights and liabilities.

Also, since you mention that you are planning to buy a home, you can read more information at the bills.com Home Purchase page.

I hope this information helps you Find. Learn & Save.

Best,

Bill

Bills.com

68 Comments

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  • 35x35
    May, 2012
    sanaa
    I was sued by a credit card company. My bank account was frozen and they took $1,000. I still owe about $1,800 and now I have judgment placed against me. This all happened in 2007. I want to pay it so it will come off my credit but I'm not sure of how to go about it. Should I offer to pay a reduced amount or pay the entire amount? Also should I call the lawyer or send a letter to inquire about paying?
    0 Votes

    • 35x35
      May, 2012
      Bill
      Four Bills.com reading assignments that will answer your questions:

      Please ask any follow-up questions you may have on the most appropriate page.

      0 Votes

  • 35x35
    Mar, 2012
    Terry
    I am applying for credit on a new car and there is a civil judgement for 16k on my credit score. If I remember correctly, this started in 2005 where I had to go to the hospital and had no insurance at the time. I didn't have money to pay so I ignored it. I received letters in the past but the name spelled on the letter does not match mine so I threw those away. Since this is in California, will this come off my credit report since its about 7 years, or will this stay on? Does statue of limitation apply to this?
    0 Votes

    • 35x35
      Mar, 2012
      Bill
      Under the FCRA, judgments are reported for 7 years or as long as they are valid, whichever is longer. A California judgment is valid for 10 years, and can be renewed. Therefore, a California judgment will appear on a person's credit report for 10 years.

      The statute of limitations, or lifetime of a California judgment is 10 years from the date the judgment was entered. As mentioned, a California judgment can be renewed. The judgment gives the judgment-creditor the right, under California law, to garnish your wages, place a lien on your property, or levy your bank accounts. Consult with a California lawyer to learn more details about your rights under California law.
      0 Votes

  • 35x35
    Feb, 2012
    Danielle
    Hi, I am trying right now to get per-approved for a mortgage loan with my husband under FHA. We have credit scores 670-720. The only thing I see as an issue is a judgement on 2/3 of my husband's credit reports. We actually settled and paid the company back before the judgement was filed. The account the judgement is for has a last payment date in early 2004, under the Fair Crediting act should this judgement be removed from his report because it is well past the 7 year mark for negative marks on the report?
    0 Votes

    • 35x35
      Feb, 2012
      Bill
      A judgment can usually stay on a credit report for as long as state law allows a judgment to run or for seven years, whichever is longer.

      If the judgment was paid, then that should be noted in the credit report. The usual language says "judgment satisfied, indicating that you had a judgment but no longer owe the money. If the information in the credit report is not correct then you can dispute the item. I don't believe that that one item will disqualify you from the FHA loan, especially when you can prove to the underwriter that the debt has been paid.
      0 Votes

    • 35x35
      May, 2012
      Danielle
      Thank you for your response to my initial question. We disputed the 2 bureaus that had the judgement still listed as unsatisfied. We supplied the settlement letter, the cashed checks w/d electronically, and the bank statements, stamped and showing the withdrawals they both marked it as satisfied at that point. We were approved for a home loan shortly after this. The only problem is literally 2 days later one of the bureaus changed the judgement on their report back to unsatisfied (I received no notification of this as well and this while I am set up for the credit monitoring and just saw it yesterday when I looked at our account with that bureau). We are getting ready to close on the 23rd of this month on a FHA loan, and I am concerned they will pull the one report that is reporting the status of this wrong. Will they most likely do this and even if they do will a lender typically take the proof I have listed as sufficient that we did pay this debt? Thanks very much :)
      0 Votes

    • 35x35
      May, 2012
      Bill
      Some lenders will pull an applicant's credit report moments before closing to see if the applicant's credit profile changed. Others do not, and it is up to the lender's underwriting department if it wishes to set and follow such conservative policy. In other words, I don't know what your lender will do.

      Gather the proof you provided the bureaus, and draft a one-page, to whom it may concern letter explaining the evidence. Should your lender stumble across the erroneous information published by the credit reporting agency, you can spring to your defense with your cover letter and proof to knock down the false information.
      0 Votes

  • 35x35
    Feb, 2012
    Larry
    I heard through my old roomate a law firm plans to sue me for $4400, a past credit card. I've settled all my previous accounts except for this because the law firm had a bunch of arrogant punks calling me and harrassing me. I actually won a settlment out of court for a lump sum they just paid me for harrassment. My question is could the judge rule against me without them bringing proper paperwork? None of their documents have been sent to my current address. Also, I have moved counties so if the judge rules against me can they really find my info in a different county? I think they are lying about how much I owe on this card. What should I do? How would they find me, and I even switched banks...
    0 Votes

    • 35x35
      Feb, 2012
      Bill
      I cannot speculate on how a judge will make his or her ruling. If you do not represent your case in court, then there will be no one to dispute their paperwork. The creditor can certainly attempt to collect on the debt. They can attempt to find information about you through investigation tools available and they can continue to pursue a judgment. If you owe them money, then you may wish to reach a settlement agreement before a judgment is made against you.
      0 Votes

  • 35x35
    Feb, 2012
    Jason
    Hello I was recently reviewing my credit report when I noticed that a Public Judgement placed against me on a piece of property that I sub-leased from another renter between August 2009 and August 2010. In August 2011, a year later, the landlord defaulted on both his mortgage and condo association fees. The law states in Illinois there can be a judgment against those "in possession" of theunit, including renters for the condo association fees. For some reason, the attorney thought I still lived here. I never received a summons for the lawyer representing the condo nor from the County Clerk. Even though I was moved out more than a year after this happened. I was still named in the class action. I have no idea how this happened. Should I call the law firm representing the condo association or should I wait for Equifax to finish the investigation which will take till early March!. I feel completely helpless and I have no idea what to do. I really want to know how they were able to do this without even being able to contact me first. I still live in Chicago only a few blocks away. Thanks :: J
    0 Votes

    • 35x35
      Feb, 2012
      Bill
      This is an odd rule, in my opinion, and one I had never heard of. It strikes me as unfair. Consult with an Illinois lawyer who has civil litigation experience to learn what defenses you have available.
      0 Votes

  • 35x35
    Jan, 2012
    joe
    i owe a credit card company around 6400 dollars. they have begun the process of filing a judgement against me in the local county court. i am married, but my wife's name was not on the credit card. we currently own 2 cars. one is completely paid off and worth about 2000 dollars kelly blue blook. the other car we own will be paid off soon, and is worth about 5000 kelly blue book. i recently put the less valuable car in my wife's name, and the car that is worth more is currently in both of our names. my question is, once the judgement goes through, and once the car has been paid off, can they take the car that is worth 5000 dollars? if so, can they still take it if we put it just in my wife's name? also, is there any law that requires them to leave the husband with one car, and the wife with one car no matter what the cars' values are? (since we need at least one car each to get to our jobs, etc). lastly, besides paying off the judgement, what advice do you have in order to avoid having either of our cars taken away?
    0 Votes

    • 35x35
      Jan, 2012
      Bill
      You indicated you reside in California. See the Bills.com resource California Collection Laws to learn more about your rights and liabilities.

      In particular, look at the exemptions California allows for debtors. You may want to consider placing the high-value vehicle in your spouse's name, and the low-value vehicle in yours.
      0 Votes

  • 35x35
    Jan, 2012
    janey
    can a car and/or boat be taken in a civil judgement if it is co-owned by me and another person?
    0 Votes

    • 35x35
      Jan, 2012
      Bill
      You indicated you reside in Florida. See the Bills.com resource Florida Collection Laws to learn more about your rights and liabilities in a debt collection situation. Ask any follow-up questions you may have on that page.
      0 Votes

  • 35x35
    Oct, 2011
    Issiac
    My wife and I are going through a divorce. One of my ex girlfriends took us both to court and accused me of taking her belongings when I moved out of her house (they were purchased on my credit card...) and claimed "conversion". I didn't go to court with an attorney and lost. The judge granted her a civil judgement against me and my wife (what makes this worse was my wife wasn't served or even there that day...it was terrible what happened...). Long story short the judge issued two seperate judgements, one against her and one against me. Everyone in the courtroom said this is insane. I was told by an attorney to appeal to circuit court. However, my wife and I are getting divorced now (it is amicable). My question is- since this is really unfair to her and had nothing to do with her, can I take that debt or "judgement" on me in our divorce? She did nothing wrong. My ex is just trying to be a horrible person to her & ruin our lives. She shouldn't have to wait through a circuit court trial.
    0 Votes

    • 35x35
      Oct, 2011
      Bill
      Alas, judgment-debtors cannot assign their liability for a judgment to someone else. You have three options: Appeal; pay the judgment; do nothing. My advice? Consult with a lawyer who has civil appellate experience.
      0 Votes

  • 35x35
    Sep, 2011
    Al
    I am German and lived in the US for 12 years. 2 years ago, I just gut married, my mom in Germany died. The following weeks I was flying forth and back taking care of my moms estate. During that time I discovered that my Dad needed me. Long story short. My husband deserted me, took all my belongings, had the checking account go bad, mortgage defaulted and house was foreclosed on. All while I was in Germany. I was trying to get my belongings but my dear beloved said he gave it all to Goodwill (thinking of calling the police on him). But my concern is: thou I want to continue living in Germany at this time in my live - I believe my husband has filed for divorce .. I pulled up my report and saw that I have 3 Civil judgements totaling about $25000. I have no idea how and what .. but how can I find out about these judgements and whom I have to contact to pay back the money? Many thanks
    0 Votes

    • 35x35
      Sep, 2011
      Bill
      Your credit report should show whom you owe. You can contact them, if you wish. You may want to hire an attorney to advise you. It may be possible to negotiate a reduced settlement, even after judgment, if it is very hard for the creditors to domesticate the judgment overseas.
      0 Votes

  • 35x35
    Sep, 2011
    Amy
    My mother has a judgement $17,000, due to a bill created and unpaid by her ex husband. She set up payment terms with the collection office to pay off the debt, she has now been paying $200/month on time without fail, for the past 6 years and her last statement reflects that she still owes $12,900. How is this possible? I was wondering if it would be best for her to stop paying on the judgement, put the money in a savings account and try to negotiate with the creditor when she has a reasonable sum of money to offer? If she does stop payments on a judgement, will the credit score that she has spent years improving be negatively affected? Thank you for any advice on the matter!
    0 Votes

    • 35x35
      Sep, 2011
      Bill
      Bring your mother to a lawyer who has experience in bankruptcy and debt issues. I like the idea of stopping payment, saving a lump sum, and then negotiating a final settlement of the debt. A settlement should not have an impact on a consumer's credit score, unless the settlement includes a pay for delete agreement.
      0 Votes

  • 35x35
    Sep, 2011
    EVETTE
    i was wondering if a person was ill at the time of an eviction what can i do do to help get help to clear the eviction in order to rent from property owners again?
    0 Votes

    • 35x35
      Sep, 2011
      Bill
      Under common law, healthy and non-healthy people are treated equally, generally speaking. There are some exceptions to that rule, but they are rare and concern a specific set of facts and circumstances. Consult with a lawyer in your state who has experience in consumer law to learn if your state has any rules in place to slow down or stop an eviction when the resident is ill.
      0 Votes

  • 35x35
    Sep, 2011
    James
    I lost a court case against a former landlord, and the court ordered a judgment against me. It has not yet appeared on my credit report, but I'm assuming it will. If I negotiate with the landlord, does he have the authority to delete the judgment if I pay him the ordered amount?
    0 Votes

    • 35x35
      Sep, 2011
      Bill
      A tough question to answer. A judgment is a public record, and some consumer credit reporting agencies scour court public notices and publish what they find. If your court publishes judgments on a Web site, or if your judgment occurred in an urban area, the chances of the judgment appearing in the public records section of your credit report are high. If your judgment was from a rural court with no Web site, chances are the judgment will never surface.

      If you resolve the judgment, and it does appear in your credit report, dispute the derogatory.
      0 Votes

  • 35x35
    Jun, 2011
    jay
    what happens if you are attemtpting to pay off a judgement but the plaintiff nor their attorney can find any record of the judgement and therefore no amount for me to pay. I spoke with the court and although they have record of the judgement, they referred me back to the plaintiff.
    0 Votes

    • 35x35
      Jun, 2011
      Bill
      Nothing happens, except for the opportunity for you to celebrate your good fortune when the statute of limitations for the judgment expires in your state of residence. At that point, assuming the judgment-debtor has not woken up, found the judgment, and renewed it, the judgment will expire without your paying it.
      0 Votes

    • 35x35
      Jun, 2011
      JAY
      ok, update. 90 days ago, the company was asked to validate the info being reported to burea and they've been unable to present anything. attorney either. now it appears the judgment they were granted may have been under false pretense as the defendant was and still an active duty service member of the Armed Forces. She was never served and therefore not present. She had already notified company (in writing) of her intent to vacate the home at lease end date of 9/1/05. They served me sometime in Feb. and I appeared in court in 3/2006.
      0 Votes

    • 35x35
      Jun, 2011
      jay
      it's a judgmnt and I don't think it's ever gonna fall off the report so do I pay it even if they're unwilling to remove trade as part of negotiation? or do I file motion to vacate judgment and spend the next year in court, I was hoping to close on my home within 30 days or so
      0 Votes

    • 35x35
      Jun, 2011
      Bill
      I think you answered your own question. If time is of the essence, then your only option is a pay for delete.
      0 Votes

  • 35x35
    Apr, 2011
    Jaime
    I have a judgement filed in 2005 for $245; it shows on my credit report and I am trying to clear this but I think the agency is out of business and I can't get a hold of them. what can i do?
    0 Votes

  • 35x35
    Mar, 2011
    Jason
    I have a civl judgment againist me. At the end of this year it will be 6yrs from the date of. I would like to get this removed. What are my options and how do you go about the payment for remove. My credit score is 644 with the jugdment and plan on trying to buy a house but not sure if thats possible with the judment on my record.
    0 Votes

    • 35x35
      Mar, 2011
      Bill
      If you paid the judgment, then your only recourse is to ask the judgment-debtor to delete the judgment as a gesture of "goodwill," which is a long-shot at best. If the judgment is unpaid, then you have some leverage. Contact the judgment-creditor and negotiate a settlement that includes a pay for delete.
      1 Votes

  • 35x35
    Oct, 2010
    AB
    Hi Bill I really like your site and the way you present your thinking, clear and concise. A question: A tenant sued me for her deposit that I used to fix damages. Of the $2500, court ruled a in her favor, but for only $750. Wondering how this will affect my scores. Current scores: 790/770/790. Age 42. Solid credit history with 0 delinquencies since age 18. Income stable at about $150K. Home loan is my single debt. Two cars own free and clear. No CC debt. No liens etc. Any insight, especially a guess as to 1. the drop in points 2. how long until those points rise is appreciated. I don't really need credit for a while, home loan is secured, no loans upcoming, trucks run great etc. Much thank for your time. -AB
    0 Votes

    • 35x35
      Oct, 2010
      Bill
      You have a $750 judgment against you. If maintaining your credit score is your goal, then pay the $750 according to the court's instructions in a timely manner. A judgment is a public record that may appear on a credit report. However, I do not see a judgment regarding a landlord-tenant dispute harming anyone's credit score assuming the judgment is paid promptly.
      0 Votes

    • 35x35
      Apr, 2011
      arah
      Not true I'm sad to say. I rightfully withheld part of a security deposit to repair some damage to my property, the tenants took me to court - there word against mine - they won (I have no idea how) - I paid it right away - it went on my credit report and dropped my score right away.
      0 Votes

  • 35x35
    Aug, 2010
    Bill
    This is frustrating situation because you were unrepresented you were fighting on an unlevel playing field. Be that as it may, creditors report information to the credit reporting agencies (CRAs). It should have been in your agreement that the landlord was required to report your payments to the CRAs as a condition of your paying the landlord. Write a letter to the landlord and ask that your payments be reported to the CRAs.
    0 Votes

  • 35x35
    Aug, 2010
    gas
    I live in Illinois and was taken to court by my landlord for a lease dispute. He turned the case into something else and I unfortunately did not have an attorney and lost. The problem is that he had his attorney write a judgment that I pay for the rent for the two months before I moved out (my rent had never been late) so I'm not sure why he did this except that he knew that it would go in my credit report. The rent has long been paid, I have copies of my checks, but cannot figure out how to have it shown in my credit file that I paid it. I have my landlord's address as well as his attorney's address. My understanding is that they need to file some paperwork to show that it was paid. Who should I contact and how do I make them file the paperwork that should have been filed once it was paid? Thanks!
    0 Votes

  • 35x35
    Jun, 2010
    Bill
    Contact the court and learn if a judgment was filed against you. If so, then the collection agent you spoke to was either mistaken about your case or lied to you. If you can scrape together a lump sum, contact the collection agent that has the judgment (called a judgment-creditor) and try to negotiate a settlement that does not involve wage garnishment or an account levy. If, on the other hand, the court has no record of the judgment filed against you on the date indicated, then you have already disputed the item on your credit reports. Again, negotiate a settlement.
    0 Votes

  • 35x35
    Jun, 2010
    Michelle
    I have an unsecured loan that I fell behind on early last year but started to make payments again mid year. I was making regular payments when the company turned the account over to a collections agency. I did not know the account had been turned over until I called to make a payment and they told me they could no longer accept my payment. Documentation was never sent to me until I called the collection agency. I contacted them and started making payments to the collection agency. Then in November, I received a letter from the collection agency that I needed make to arrangements with them and the least amount they would accept was a 100.00 more than the amount that I was paying their client. In addition, their client still may opt to file judgment against me. Then I received documentations stating that a judgement have been filed against me. I called the collection agency back and they told me if I paid a certain amount then the judgment would not be filed and that I would not have to go to court. I pulled my credit reports this month and the judgment is showing. Is there anything I can do to have it remove based on what I was told? I have disputed with all three-credit agencies.
    0 Votes

  • 35x35
    Apr, 2010
    Bill
    You need to become acquainted with your local office of the Florida Department of Highway Safety and Motor Vehicles and ask your questions there.
    0 Votes

  • 35x35
    Apr, 2010
    Michele
    I was driving through GA last weekend and was pulled over and found my license is suspended in FL. few years agao I was pulled over and my license was suspended, I went to court plead guily and paid all fines. I assumed everything was taken care of. I was just informed that I would have to have my license reinstated in FL to have the suspension removed. I also have a jusgement against me for driving without insurance and was in an auto accident will this have to be paid before I can have my license reinstated BTW my license in FL expired in 2005 so will I still be able to get it reinstated?
    0 Votes

  • 35x35
    Apr, 2010
    Bill
    In the legal trade, what you are asking are known as "civil procedure" questions. One very important element in an effective lawsuit is the defendant receiving an adequate notice of the filing of the lawsuit. You mention that you were never served papers. I'm guessing that what you mean is that you never had a process server show up at your door, hand you an envelope while saying, "You are served!" like we see in the movies. Notice by that means may not be required in your state -- I don't know which state you live in and consequently do not know what effective service of process is for you. In some states all the plaintiff (the creditor in this case) need do is send a certified letter to the defendant's last known address. Consult with an attorney in your state and ask him if the creditor gave you adequate notice of the lawsuit. If he or she doesn't think so, discuss the option of fighting summary judgment. A judge may agree you did not receive adequate notice of the lawsuit and throw out the summary judgment that paved the way for the wage garnishment. Keep in mind, however, that if the summary judgment is dismissed and the garnishment is removed, this will not make the debt disappear. The creditor may restart the process, only this time making certain you have adequate notice. If you are able to reset the clock, as it were, perhaps that would be a good time to open a negotiation with the creditor on repaying the debt so that both of you can avoid the expense of going to trial.
    0 Votes

  • 35x35
    Apr, 2010
    Belinda
    I have a judgement on my credit that was. No notification was ever sent o me. There was a letter sent to my parent address who live in a different state than me, but no notification of a court appearance or anything after the first correspondence. What can I do?
    0 Votes

  • 35x35
    Jan, 2010
    Bill
    I strongly urge you to speak with a licensed bankruptcy attorney in your state who can provide you with more information as to what your options are.
    0 Votes

  • 35x35
    Jan, 2010
    Claudia
    I am being sued by a insurance company due to a car accident that happened 5yrs ago. My driver license has been suspended until the debt is paid off the amount is 40,000. The lawyer for the isurance company offers a monthly payment to reinstate my driver license.I have been layed off,im going to school and single with two children. Do I have any other options to resolve this matter?
    0 Votes

  • 35x35
    Dec, 2009
    Bill
    Based on the terms you are using in your question, I am guessing you reside in the UK, and the taxes are local. I am not trained in UK law, and therefore cannot answer your question.
    0 Votes

  • 35x35
    Dec, 2009
    Alex
    I payed my concil tax a week after the date I was supposed to appear at Magistrates court. (basically I opened the envelope with the summons after the court happened, but then payed the same day). Does it mean I have a civil judgement against me?
    0 Votes

  • 35x35
    Nov, 2009
    Bill
    Yes, a result of a judgment is wage garnishment, account levy, and/or lien. See Collections Advice for more details and a discussion of your rights.
    0 Votes

  • 35x35
    Nov, 2009
    pat
    I have a judgement on my credit file and now they're trying garnish my pay check ....can they do this?
    0 Votes

  • 35x35
    Oct, 2009
    Bill
    That is impossible for me to answer because I do not know in which jurisdiction the judgment occurred. I suggest you consult with an attorney in your state who will be able to review all of your facts and apply them to your state's laws.
    0 Votes

  • 35x35
    Oct, 2009
    Brianna
    Can your license be suspended for court costs or for a auto negligence judgement?
    0 Votes

  • 35x35
    Sep, 2009
    Bill
    I am unaware of any state that allows a court to order a state's department of motor vehicles to suspend the driver's license of a resident for a judgment regarding a credit card debt. However, many states will allow a court to order a resident's driver's license to be suspended if the resident is behind on child support payments. My guess is that a collection agent said you could lose your license if you failed to pay your debt. If so, do not believe legal advice from collection agents. It is usually wrong or incomplete, and is always self-serving.
    0 Votes

  • 35x35
    Sep, 2009
    Denise
    Can my Florida Drivers license by suspended for a civil judgement for a credit card debt.
    0 Votes

  • 35x35
    Sep, 2009
    Gregory
    I was recently called to court on a condempt charge for a civil judgement. I had never received paper work to complete. The judge found me in contempt and sentenced me to 10 days and $100 fine. She gave me 60 days to pay the judgement in full or go to jail. Can she do this? I have no money, no job and no assets.
    0 Votes

  • 35x35
    Sep, 2009
    Bill
    It would surprise me that a judge would find a defendant in contempt for failure to pay a debt. It would not surprise me if a judge found a defendant in contempt for failing to respond to a court's order. Because I don't know which state you are in, or have access to your documentation, it would be impossible for me to say if I thought the judge exceeded her authority. Contact your county's bar association and ask for the name and telephone number of the local legal aid organization that helps people with limited income. Make an appointment with that organization, and take all of the letters, forms, notices, and other documents you have regarding the debt, judgment, and contempt charge to your meeting with the attorney or paralegal.
    0 Votes

  • 35x35
    May, 2009
    Bill
    I doubt that you can negotiate a lower settlement at this point as a judgment has already been placed on your credit file. Most negotiations occur before a case goes to court, and once a creditor is successful in winning a judgment against you, they will less inclined to negotiate a lower payment considering that they have been awarded a certain amount by th court.
    0 Votes

  • 35x35
    May, 2009
    Tina
    I have a civil judgement on my credit file from a car that was in my name. My husband totalled it and it was only in my name. The judgment was placed on my file in 07/2004 and is $7,000.00 plus $40.00 a month in interest. I have recently been layed off, can I offer a lump sum for a settlement offer to be considered paid in full? If so how much should I offer. This is keeping me from getting approved to rent, get credit cards, etc. Any advice to my inquiries I would appreciate, I just want to take responsibility and get it taken care of and have a fresh start.
    0 Votes

  • 35x35
    May, 2009
    Bill
    I doubt that you can get it erased, you might just have to wait till it falls off.
    0 Votes

  • 35x35
    May, 2009
    Don
    I have a paid civil judgment on my transunion credit report which is paid in full and updated. I have a credit score of 708, but for some reason I was denied personal loans by two different banks. Thats the only negative factor I see on my credit report so, I'm pretty convinced that's was stopping me from getting a personal loan. It should erase from my report in 2012, but is there any way I can get it erased now?
    0 Votes

  • 35x35
    Mar, 2009
    Bill
    This type of thing always happens in a divorce proceeding. You should know that even if you had let the lender know about the divorce situation, they could not have done anything to enforce the divorce decree. Now that the judgment has already passed, even the credit bureaus will not change anything on your reports because you were the one on the title of the loan. The best you can do is put a note on the judgment so that future lenders will know what exactly happened, while this will not change the negative effects of the judgment, it will help in the future when you are trying to get credit again. You will need to contact each of the 3 credit bureaus to find out the procedure to put a note on the entry.
    0 Votes

  • 35x35
    Mar, 2009
    Wayne
    I have a civil judgement against me for an auto my ex-wife had repoed. In the divorce agreement she was suppose to maintain the payment. how do I remedy this?
    0 Votes

  • 35x35
    Dec, 2008
    Bill
    Payment arrangements can happen before or after a judgment. You need to clarify your position at the court in which you are making these arrangements.
    0 Votes

  • 35x35
    Dec, 2008
    Shell
    i have recently made arrangements with a Bailiff to make payments for council tax. it is a long story as to how things got that far. but does this mean that i have a civil judgement against me? or is this the step before civil judgement if you don't make arranagements to pay?
    0 Votes

  • 35x35
    Apr, 2008
    Bill
    The first thing that you need to do is to get copies of all three of your credit reports. You can do so for free by visiting www.annualcreditreport.com. Your being behind on those bills does not mean that you are bankrupt, but you definitely need to know the current reporting status of each of your past due accounts. Once you have that information, you can start to contact each of the creditors and resolve these accounts as quickly as possible depending on how much money you can set aside for these at this time. If you don't do anything, you will risk getting sued by one of those companies and you definitely don't want a judgment on your report...
    0 Votes

  • 35x35
    Apr, 2008
    sam
    For some reason i was out of UK for 6 months and when I came back I got lots of charges being overdrawn and my phone bills credit cards bills. My landlord has moved to this property and I did not get any of my post in that period. I was so upset and financialy weak that i just ignored all of this as i was new in this country, I am still running the rest of my accounts properly. But does this mean I am bankrupt or I am involved in a civil judgment?
    0 Votes