vacate a judgement. has anyone done this?

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vacate a judgement. has anyone done this? - 4/21/2011 7:18:50 PM

pahunkboy

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http://www.707creditscore.com/how-vacate-judgement

Curious?

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RE: vacate a judgement. has anyone done this? - 4/21/2011 11:13:10 PM

soul2share

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nope....I pay my bills......

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RE: vacate a judgement. has anyone done this? - 4/21/2011 11:38:39 PM

Termyn8or

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Lawyers who advertise usually aren't worth a shit.

T^T

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RE: vacate a judgement. has anyone done this? - 4/22/2011 12:20:11 AM

ResidentSadist

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You make a motion challenging the debt and demand they (the original creditor/vendor etc.) provide the paperwork to prove the debt. For example, a contract with your signature, a purchase order etc. They have 30 days to get the paperwork into the court. The purpose is to prevent book keeping errors and errant automatic billing programs from ruining your credit. It is not that uncommon to "carry" invalid uncollected debts for the purpose of fudging the size of your corporation's receivables and getting a larger line of credit.

The credit repair guys (like the ad you posted) use this 'demand of proof' on all your debts, valid or otherwise. Often, during this sweep, several of the original debtors cannot produce the documents, they are archived or the corporate legal department is lagging and they fail to show proof in time. By law, TRW, the debt collector etc, must remove those items from your record, canceling debt collectors rights to act on your case or changing your credit score.

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RE: vacate a judgement. has anyone done this? - 4/22/2011 5:29:44 AM

Termyn8or

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"It is not that uncommon to "carry" invalid uncollected debts for the purpose of fudging the size of your corporation's receivables and getting a larger line of credit."

When they can't steal people's money they steal their credit in effect. Not sure but I think leasing a car has a similar effect, you don't own it, they do. Therefore it is a company asset correct ?

We live in a world of a million scams. It used to be a company would advertise that they are big, therefore somehow that makes them stable and for some unexplainable reason - honest. But the fact is you have to watch everything, even the damn electric bill. Don't even start on cable or phone. There were phone sex lines for many years before the "advent" of 900 and 976 numbers. Those numbers exist to allow people to steal from each other for the company's product. It happened to me once. I did find out that you don't have to pay it. Just pay the normal fifty buck or whatever phone bill and you are fine. Oh, and when they call to collect just tell them that the person who called their scamline was under 18. Works like a charm.

But now how do they get a judgement without notice ? Simple. Somewhere in the fine print you signed a waiver of notice for collection actions. They tried that on me once and I almost broke something laughing. I also laughed all the way to the bank.

It's a matter of preying on peoples' desires. They want the house or whatever so bad they'll sell their soul for it. That is the downfall of many. Corporate entities are no better than heroin dealers these days. In a dog eat dog world, a corporation is a pack of big wolves.

But you still need some sort of grounds to get a judgement vacated. That's what alot of people don't understand, for example like suing someone. You can't usually do it by surprise unless you have that waiver. Even if you do you must notify them that they owe and you are going to sue if they don't pay. But that's just the rules for the little people, at least the ones who don't know these things.

I still have an aversion to lawyers who advertise. A good lawyer doesn't have to advertise. What's more most people don't know alot of things. Bank accounts don't get frozen without a judgement. I saw it happen without notice though. The guy paid a partial hospital bill with a personal check only to find his account frozen a few days later because it was due in full, well overdue now.

Good guys used to finish last, now they don't even get out of the gate.

T^T

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RE: vacate a judgement. has anyone done this? - 4/22/2011 7:14:21 AM

flcouple2009

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In addition to what RS said, there are firms that negotiate a settlement with the company you owe. You pay the money and the creditor agrees to not respond when it is challenged with the reporting agency.

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RE: vacate a judgement. has anyone done this? - 4/22/2011 1:31:56 PM

Nanako

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What's going on here ?

This really looks like spam. From someone with 28k posts....

did his account get hacked maybe ? :(

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RE: vacate a judgement. has anyone done this? - 4/22/2011 1:39:54 PM

pahunkboy

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Nope. Not hacked.

I simply wondered if anyone knows anyone who personally voided a judgment that rendered in error.

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RE: vacate a judgement. has anyone done this? - 4/22/2011 2:03:56 PM

calamitysandra

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Which bill did you not pay this time?

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RE: vacate a judgement. has anyone done this? - 4/22/2011 2:08:14 PM

lockedaway

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Sure...but in most states you have time limits; six months, one year, etc. You can try to toll the time by saying that you had no knowledge that a judgment was entered and then you go in and attack service of process. If you can't attack your right to proper service, you are back to the time limit of six months or maybe one year. If that is the case, you normally have to allege excusable neglect.

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