No one can garnish anything unless they sue you first and win a judgment. If the statute of limitations has expired on the debt, then you would have an affirmative defense in court should you be sued. The SOL period depends on state law. A 10 year old debt, however, should NOT be on your credit reports and can not be reinserted.
Foreclosures remain on your report for 7 years. It is difficult to get a foreclosure removed.
You can pay the judgement, which will pay the creditor. Or, you can request to pay the creditor directly and negotiate for the judgement to be vacated (removed).
A charge off will stay on your credit report for 7 years unless removed by the original creditor or the credit bureaus. You can dispute a charge off with the credit bureaus and they must verify it with the original creditor with in 30 days or it must be removed from your credit report.
A foreclosure will be expunged from a person's credit report after seven years have expired from the time the foreclosure was reported. Valid information on a credit report cannot be removed until the required time limit for reportage has expired.
No, the collection agency is now the rightful owner of the debt in question and the original creditor has removed the account from their books.
Yes. Some appliances are not to be removed even by the owner.
When the property is sold at the foreclosure sale and the deed is made public record, the property is no longer yours and you must leave immediately. If you do not leave, the new owner can have you removed.
You must remove your personal property prior to the foreclosure sale. Once the property has been transferred you have no right to enter. Your property will be removed by a team of professionals and dumped.
Only the original creditor or the credit bureaus can remove a charge off from a credit report. You can negotiate to have them removed with the original creditor if they will let you. You can also dispute it to the credit bureaus and they will have 30 days to verify the listing or it must be removed from your credit report.
If the debt was discharged in the BK the entry for the creditor should read as such. The entry itself will not be expunged until the required 7 years has expired.
Really, the only way to have it removed is to dispute it with the credit bureau reporting it. The credit bureau will then contact the creditor for verification. If the creditor can't verify the account, it must be removed immediately. If the creditor can verify the account, your choices are limited to disputing it again and/or just waiting for 10 years for the account to come off of your report.
You must have your possessions removed prior to the foreclosure sale. Once the property is sold you have no right to be there.
Yes, they can. But, usually it can be removed by the credit bureau once its proven to be a duplicate entry of the same debt.
The penalty for stealing fixtures out of a home that is being foreclosed on varies by state. It can be prosecuted as theft or hindering a secured creditor among other things depending on the state, the circumstances, and possibly the local community within a state, so there is not one answer to this question. You will need to contact a competent lawyer in that jurisdiction if you have already stolen items. If you have not already stolen the items, I recommend that you don't do it. You won't that much for them for one thing. Most people don't want to buy stolen goods. Appliances are often registered with the company for the warranty and they have serial numbers.
THE ORIGINAL CREDITOR WILL BE ABLE TO HELP WITH REMOVING AN ACCOUNT BY REPORTING THIS TO THE BUREAUS. DO FIND OUT IF THEIR IS A NECESSARY STEP IN CONTACTING THE COLLECTION AGENCY FOR THESE SERVICES TO BE TAKEN CARE OF.
Yes, reporting to your credit by a collections agency does not effect the reporting originally made by your creditor. It most normal cases you would see the original creditor having reporting the account as a "charge off" regardless of any reporting made by a collections agency afterwords.
A repo stays on your credit for at least seven years. However, you may negotiate with the creditor to have it removed earlier.
The Fair Credit Reporting Act requires creditors to report your account accurately, and the credit bureaus are required to maintain records that match the reporting. The bureaus are not responsible for the accuracy of the reported account information as they do not have access to the account records for each creditor. If you dispute the accuracy of an item, they request a response from the creditor, at which point the creditor must either show that your dispute is invalid, that your dispute is indeed valid, or fail to respond in a timely manner (failure to respond will mean the dispute is accepted and the item corrected or removed).
You can't. But as long as you pay you bills on time for the next 3-4 years you shouldn't have a problem getting a mortgage
You might see some movement but according to how the rest of your file looks will determine that
Foreclosures can be removed from your credit report like any other negative item. You must dispute it to the credit bureaus. The credit bureaus will have 30 days to verify the foreclosure or it must be removed from your credit report. With the higher amount of foreclosures lately you have a better chance of it being removed. UPDATE: Actually, you can force Equifax, Experian and TransUnion to remove a Foreclosure from your credit report and you can do it legally using a federal law that is in place. Credit Bureaus MUST have "verifiable proof" of the "foreclosure account" in their files if they are going to report the negative item on your report. The dirty little secret the credit bureaus don't want you to know is that they do not have any "verifiable proof" in their files for any of the negative items on your credit report. The bank that held your mortgage may have this information on file but the credit bureaus don't. If you request the credit bureau to provide you with the "verifiable proof" that they have in their files they will remove the negative from your file.
Hard to say. Disputing the collection after you pay off the creditor could still come back as 'verified' from the credit bureaus simply because the collection did happen. If the collection agency does not respond to the credit bureau's query, then the entry will be removed.
Once it is reported to the credit reporting agencies, it is very tough to have it removed. However, you can get them to mark it "satisfied" by providing documentation of such along with a letter of explanation. Keep copies of all correspondence with the agencies.
No. Sometimes it will be reported as "Included in Bankruptcy"
It means "has already been removed"