Removing derogs within SOL

[ntnsllc]

I have a paid $5,200 judgment that was paid in two months of garnished wages. I also have 2 unpaid collections that are $9,900 and $3,000. I am currently suing a collector over FDCPA violations (they called and impersonated the Sherriff's office AND a law firm and even left messages stating such...amazing, I know). Anyway, the case should be settled in the next few week. So, now my question:

All of these derogs are within SOL and are less than 3 years. The Judgment was just paid off in August 2008. Is it too soon to have these removed? How easy is it to have a paid judgment removed?

The collections are still unpaid, but I want them removed. I've read in some places that it's possible to have an unpaid collection removed. However, I've also heard that if you try to verify and validate an unpaid collection within SOL, you're setting yourself up for a lawsuit to obtain default judgment.

Any ideas???

[SHANNA8102]

Are you trying to get the 9900 and 3000 removed? are you suing the ca for the derogs that you are trying to get removed? how old are the derogs that you are trying to get removed?

[jjgross]

Originally Posted by ntnsllc

I have a paid $5,200 judgment that was paid in two months of garnished wages. I also have 2 unpaid collections that are $9,900 and $3,000. I am currently suing a collector over FDCPA violations (they called and impersonated the Sherriff's office AND a law firm and even left messages stating such...amazing, I know). Anyway, the case should be settled in the next few week. So, now my question:

All of these derogs are within SOL and are less than 3 years. The Judgment was just paid off in August 2008. Is it too soon to have these removed? How easy is it to have a paid judgment removed?

The collections are still unpaid, but I want them removed. I've read in some places that it's possible to have an unpaid collection removed. However, I've also heard that if you try to verify and validate an unpaid collection within SOL, you're setting yourself up for a lawsuit to obtain default judgment.

Any ideas???

In a side note anytime some one call's an say their a policeman or other law enforcement.All you need to do is ask for there badge number what station there working out of and their department phone number and you will call them back.Never answer any questions.Ask for all above info

[calnat]

Originally Posted by ntnsllc

I have a paid $5,200 judgment that was paid in two months of garnished wages. I also have 2 unpaid collections that are $9,900 and $3,000. I am currently suing a collector over FDCPA violations (they called and impersonated the Sherriff's office AND a law firm and even left messages stating such...amazing, I know). Anyway, the case should be settled in the next few week. So, now my question:

All of these derogs are within SOL and are less than 3 years. The Judgment was just paid off in August 2008. Is it too soon to have these removed? How easy is it to have a paid judgment removed?

The collections are still unpaid, but I want them removed. I've read in some places that it's possible to have an unpaid collection removed. However, I've also heard that if you try to verify and validate an unpaid collection within SOL, you're setting yourself up for a lawsuit to obtain default judgment.

Any ideas???

Collecton Agencies are not the original collector and with that being said you have protection from the collection agencies.

First, the amounts you owe have been written off by the original creditor and probably turned over to their insurance agency to collect proceeds from their lost, next the same Debt that has been written off, reported to the insurance for payment has been sold to the CA for cents on the dollar.

What I am saying is your original creditor just got paid 3 times:
1) Phantom Income (Tax write off on profitable income)
2) Insurance reimbursements from lost
3) Debt sold to CA or DC

Before a CA or DC can report anything on you to the credit bureaus they will have to throughly validate your information, this mean that the CA will have to have all of your original documents such as your original signed terms & conditions, validate your SSN and if it's really you and all the signed documents from the original creditor to produce any claim on you whether it is yours or not and 95% of the time they can not produce this information within 30 days and by law it has to be removed and can not be placed back on your credit report Because the same laws that helped you remove the information will be the same laws that will protect the CA from putting it back on your credit.

Know the laws that protect you and if you don't want to learn the laws utilize a real credit restoration company that does and provide a money back guarantee.

[ntnsllc]

I'm still unclear. If I send a validation letter to to the CA within sol won't they just verify and obtain a judgement?

[jjgross]

Originally Posted by ntnsllc

I'm still unclear. If I send a validation letter to to the CA within sol won't they just verify and obtain a judgement?

They can't get a judgement without going to court.So check your local court house for any filings.If you get a summons you have to answer it or they will get a default judgement against you.

[chane]

Originally Posted by ntnsllc

I'm still unclear. If I send a validation letter to to the CA within sol won't they just verify and obtain a judgement?

Yes, many times validation and C&D letters will piss of a CA. It's the policy of more and more of them to just sue once they receive that kind of letter.

It's a numbers game and they know that most the time when they sue, the defendant won't even show up. Don't ever let that happen to you if you get sued. Never let them win by default. It's like tapping out before you even get into ring. At least give them a fight. You might be suprised at the outcome.

Or, you may just want to leave them alone. It's up to you really.