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one of 3 things could happen.

1. denial of loan

2. the mortgage company will pay the judgment and tac it on.

3. or require you to pay it and provide proof that it is satisfied.

*** here is what you need to do**

tell the person who has the judgment you are considering filing a chapter 7 bankruptcy, and that you will include them in it unless they agree to settle for 50% of the amount and agree to delete the judgment and the account from your crfedit file all 3 of them. make sure you get their signature in writing first and that you agree to pay them within 30 days .

or you could dispute it with all 3 credit bureaus and hope they don't respond and it falls off but be aware all 3 credit bureaus and most creditors are computerized and will reponse very quickly. it will work out in your favor. STAND YOUR GROUND BE FIRM.

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Q: Can I get a mortgage with a judgment against you from an unpaid credit card I have fairly good credit otherwise but I have a judgment against me for an unpaid credit card from 2003. Thank you?
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Can you get a mortgage with a civil judgment against you?

If the judgment is open, you must pay before escrow closes on the mortgage. If the judgment cannot be satisfied, you must show an agreement with the creditor and at least six months of consistent payments.


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Can you get a home loan with a judgment on your credit report?

It is up to each mortgage company to determine a person's credit worthiness and likelihood to pay a mortgage loan. Mortgage companies may not approve loans if there are derogatory credit items on a person's report, but this decision is often based on many factors. A judgment will appear on your credit reportfor seven years from the filing date.


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If the judgment names only one spouse as the judgment debtor it will not be entered on the non judgment spouse's credit report.


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Yes, if they get a judgment against you, and most do. Once the judgment has been entered and is public record, that judgment will go on your credit reports and it will tank your credit scores.


Can credit card companies get a judgment?

yes, and its always against you


Can personal property be levied when a judgment is placed against you for credit card deliquency?

Answer: If your credit card company obtains a judgment against you they may take any property of value that they can find.


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How do you get a civil judgment removed from credit report and how do you fight the debt collector when they told you they would not take you to court but they brought a default judgment against you?

I have a civil judgment against me and the mobile home wasn't in my name. It is showing up on my credit report. How do I dispute it?


What happens after a entry judgment is granted?

That pretty much depends upon how much the judgment is for. usually, if the judgment amount is small, then nothing happens except that you have a really negative mark on your credit report. If you attempt a purchase a home, the mortgage lender will force you to pay off the judgment before they will extend a mortgage loan to you. The judgment will appear on your credit report for a very long time and will negatively impact your credit score. If the judgment is for a relatively large amount of money, the creditor will most likely seek to garnish your earnings or attach monies in your bank accounts.


How much does a judgment drop your credit score?

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