How do I get a judgment removed from my credit report?

If you have a judgment on your credit report in California that you would like removed, you have several options. First, you can contact the company that filed the lawsuit, such as a creditor, and attempt to negotiate a settlement and satisfaction of the judgment. A settlement can include a payment plan and the agreement to have the judgment removed from your credit report. When settling an outstanding judgment, make sure to receive a signed release that states that the judgment was satisfied and that it will be removed from the credit report. Second, you may be able to have the judgment vacated. A judgment vacated means that it is no longer valid and can be removed from your credit report. To have a judgment vacated, you may need to show that there were errors in the judgment, fraud occurred, or that there were other extenuating circumstances. It is best to consult with an attorney who specializes in consumer debt defense law and can help you put together the necessary documents for the court. Third, you may be able plead the statute of limitations. If the debt is too old, then the creditor cannot legally collect on the debt. The statute of limitations varies from state to state, but in California, the statute of limitations is normally four years from the date of the last payment. Finally, you may be able to file for bankruptcy or have a debt management plan to help you settle debts and have the judgment removed. It is best to consult with an attorney before deciding which option is best for your situation.

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