Credit help questions for late payments, charge offs and court

I payed off a lot of deb with income taxes on my credit report it shows payed but is there anyway to get them off? I was reading Ur site and u was talking about get written letters saying the would take it off Ur credit if u agree to pay
which in my case is a cell phone bill
should i pay the attorney that sent me a letter or the cell phone company? My husband has a direct tv bill from when he was 18 and he is now 27 but it shows up when we try and get something but i don't see it on our credit report and directv doesn't help when i try and call them b/c the said they need a address he doesn't remember it one more question we both have 3 open accounts but one of his is through citi financial really high interest rates should we pay them off please help with any question need to get score up
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number one credit help mistake
paying off past bad debt BEFORE you talk to them and ask for help, removal, or to reopen.
i would try to re open anything that i paid off and after 12-24 months ask them to only report the past 24 months. ATTORNEY. OOOOPPPPS your in trouble there.
I would call the cell company first
attorney second and BEG. Dispute the direct TV bill with the credit dispute form. say not yours you never lived at that address.
you should pay the citi card down to less than 79% of your high credit limit. Keep it open and pay good for 1 -2 years.

Unpaid collections and a judgment with huge interest

We are trying to currently fix our credit on our own and its a never ending battle but we got our score up to about 660, which is better than the 559 it was about 3 years ago. We have 2 questions that we cant seem to find an answer to.
1. we have several accounts that show UNPAID that are for the same debt but 2 different collections companies are reporting them. Can they do this? If not how do we get the older one removed?
2. We had a $1400 judgement almost 7 years ago. We have paid $10 a month for the last 3 years with no writted agreements to the collection agency on anything. We just gave them something because they tried to garnish her wages 3 years ago and this made them not pursue that. We assumed after all these years that the balance would be managable to pay off now but we called to get the balance today and now its over $1700. We never signed nor agreed to pay any kind of interest. Can they do this and what do we do now?
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#1 use the debt validation form and get at least on or both collections removed in most cases.
yes they can they did. is it right moral and just. Porbably not. But not paying isn't either. If one validates the debt then negotiate and pay the debt as fast as possible IF YOU CAN.

#2 of course there will be interest. The bad news is you validated the debt. The good news is many times when a creditor accpets a partial payment they usually cannot take you to court. The bad news is you have already been to court. So I don't really know what the answer to court ordered payments might be. Your in a fix here and I am not sure what to tell you other than to try to negotiate a payment in full now if they drop interest.
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Served court documents for a judgment hearing on medical bill

i'm looking for advice. i was served by certified mail today for a 6 year old medical bill. i do not dispute it. i would like to know what options i may have on this $776.86 suit. like do i show up or not. let it go to judgement and if i did what could i expect to happen. and any other info you may have on what i can expect from all of this.
please help.
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it would be best to pay this before it goes to court
so the judgmen doesnt show up on your report

Court odered judgment. Collections from canada harrassing

A friend of mine is a Katrina survivor and now lives in California. She is being hounded by a guy who took over a judgment in 2004 that was issued in the courts in New Orleans. He was contacting all the people he could find on her website that were connected to her and sending them faxes and emails and calling them, telling them that he was collecting a judgment that she owes and asking if they could provide any information. He reached me and told me that he was going to take all the money that we make together on a venture we are working on that was posted on our website.
I had her send him a debt validation letter. He responded saying that he is not a third party bill collector. He sent her the judgment that shows that the original creditor had the judgment assigned to him in 2004 and he is now the judgment creditor. He said he is not bound by the Fair Debt Creditors Act.
We put in the letter requesting that he cease and desist in calling other person related to her and that she would file a complaint with the AG and file suit against him he continued to do so.
His address is in Vancouver Canada. Does he have jurisdiction on this judgment that’s from the New Orleans court when he lives in Canada and she is living in California?
I know she needs an attorney but she can’t afford one – she is trying to work that out.
What she wants is for him to stop contacting third parties and she wants to know her rights. She has some property in New Orleans. The judgment is only $2,000. He wanted her to pay $700 today and he would call it quits but she doesn’t have them money. And, how would she know he would go away if she paid it. He wanted her to wire it to her.
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I am not sure about this at all.
sounds fishy, but court ordered judgments are different than credit related issues
i think people can go to jail over this stuff.

I would also think that the court or person who sued would be the only person that could hurt you.

I do believe that a FCRA probably does not work with judgments. But most if not all are bound to not harras. Seems like if he was real he would threaten jail.

I would say contact the court if you intend to pay. then the state atorney general
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Thanks very much. She got an attorney involved and the matter is being settled amicably with a settlement agreement for a very low amount!!

Debt sent to court and judgment against rendered.

I am having debt credit issues. I have some creditor that is taking me to court. and i have check on my credit report that i have a judgement againts me. Is there anything i should do ? i would like to know if Lexington Law works if it does, well they be able to take those judgment of my credit?
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no help there
judgments are a matter of law and public record that will not change
pay it fast so it at least shows paid
get it 2 years behingd you and get new good credit to overlap the past bad credit

Remove a paid judgment on my credit report. Who reports judgments?

I checked my credit report and on one of the credit reporting agency's it shows a judgment was put on my report. Do you know who reports this on my credit? The reason I am asking is due to this judgment was satisfied before the 30 day deadline and I am concerned that the plaintiff, not the courts, reported this. It is reported as satisfied, but not sure how or why it would be reported on my credit.
When somebody is placing something on a consumer's report, do you know if they are required to provide my social security number or my driver's license number? My concern is that if the plaintiff reported this, I never provided her with my social or my d.l. number. nor was a contract of any sort signed providing the plaintiff with my information.
I have tried to find out this information from the credit agency, but have not had any luck getting a straight answer. If the plaintiff reported this and has my information, what can I do about it, as it would be pretty unnerving to know that she illegally got hold of my information. I really need some advice on this, as this small judgment ($479.00) that was paid and showing as satisfied on my report has hurt me when applying for credit. The plaintiff used to be a friend of mine and was very upset that she did not get the $4000.00 she was trying for and I worry that she may be trying to damage me by doing this...if she reported this and not the courts.
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courts report judgments
not random people
these are public records in court archives

you might try the debt validation form
if you know what court
if you don;t know
you can dispute the item with each affested bureau and an adress and phone must be provided

find the forms here

all debts have to be valid line of legal documents

I would say go on and remember. Court equals bad.
the goal here is noo lates on 3 - 4 open accounts.

everything reported bad
ie: judgments
more than 2 years old
pay and go on

Bankrupt credit problems creditors calling court jail

Okay well I have credit problems and I have creditors calling leaving messages etc. And I have spoken to a few but they are so mean so im trying to work with them. My credit is so bad that im thinking about the big "B" yes Bankrupt. but alot of my friends are telling me not to go that route. Well to finally get to the questions, I have been to court for a settlement for a past due credit card and I was making payments, okay I left the state I was in to go college and that didn't work out, and not to sound ditsy but I forgot about my payments, and im afraid that ill go to jail and that's why im afraid to call and continue where I left off. So in that case I don't know what to do, since there was a court appearance involved.
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in your situation yes
call or else face a warrant for arrest when you are pulled over for a traffic problem.
Eventually you will have to pay

I think if you call you can feel it out and hope
give your past name and address and ask how much you owe
do not give out your current address or phone at first.
if you can pay them off right then.
be prepared to pay in full right then