I filed chapter 7 bankruptcy, and put this account under it in February, however they continued to
put a judgment against me and it is now on my credit report. Can this be removed because I filed that account with my bankruptcy?
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The judgment may have been discharged in the bankruptcy and should reflect that on your credit report. However, that does not get the judgment removed. It will remain for the balance of the reporting period. Judgments stay for 7 years, or your state’s statutory max, which ever is longer.
ADDED: Then you should have called your lawyer instead of asking the question on a message board. By the way, come back and let us know when your attorney fails to get it removed. The judgment will have to be set aside. If the judgment came before the bankruptcy, it ain’t gonna happen.
If the judgment came after the bankruptcy notifications were sent to the creditors, your attorney screwed up. He should have responded and stopped the court action.
Unfortunately for you, BD does know what she is talking about, and most likely, it will remain on your report.
I concur with her. If you have an attorney who handled your bankruptcy, why didn’t you run this query past him. I mean you did pay him to handle the paperwork right?
Your lawyer cannot *cancel* something reported to the credit bureaus. You would have to dispute it.
You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments – credit-report-score.10001mb.com