Best Answer

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.

User Avatar

Wiki User

โˆ™ 2006-03-04 18:27:01
This answer is:
User Avatar

Add your answer:

Earn +20 pts
Q: Can a third party creditor garnish wages for a foreclosure on a home loan that is over 10 years old and has already been removed from your credit report?
Write your answer...
Related questions

How long does a foreclosure initiated stay on your credit?

Foreclosures remain on your report for 7 years. It is difficult to get a foreclosure removed.

Can you pay a debt to collector after a judgment?

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).

When is a charge off 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.

Can you get a foreclosure off 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.

Can you pay an original creditor after the debt is sold to a collector?

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.

Can you go to jail for removing appliances from a foreclosure?

Yes. Some appliances are not to be removed even by the owner.

When your house is in foreclosure when do you have to move?

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.

In a foreclosure can they take personal property?

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.

How do you remove charged off from your report?

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.

How do you get a creditor removed from your credit report that was listed in the bankruptcy two years ago?

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.

How can a person get a past delinquent pay off a credit report when it was dismissed because of bankruptcy?

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.

When your house goes into foreclosures how soon do you have to move out?

You must have your possessions removed prior to the foreclosure sale. Once the property is sold you have no right to be there.

If a creditor reports an upaid bill on your credit then sells the account to another creditor can they report the same unpaid bill on your credit?

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.

What kind of penalty would you face if you removed built in appliances and fixtures prior to foreclosure?

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.

Can the original creditor direct their collections agency to have an account removed from a credit report?


Collection acct removed but original creditor still remains?

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.

How long is a repo on your credit?

A repo stays on your credit for at least seven years. However, you may negotiate with the creditor to have it removed earlier.

What is the law concerning 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 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).

How do you have a foreclosure removed from your credit report?

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

How many points will your credit score go up with a foreclosure removed?

You might see some movement but according to how the rest of your file looks will determine that

Can a foreclosure be removed from your credit report?

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.

If a debt has been paid to the original creditor and they recall it from their collection agency will a dispute succeed in having it removed from the credit report?

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.

Can foreclosure and bankruptcy be taken off your credit report if you didn't have to go through with the foreclosure and bankruptcy?

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.

When a creditor is paid-off through a Chapter 13 Bankruptcy is the creditors information automatically removed from your credit history?

No. Sometimes it will be reported as "Included in Bankruptcy"

What does a dรฉjร  รฉtรฉ supprimรฉe mean?

It means "has already been removed"

Study guides

Create a Study Guide