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You can try handling it informally directly with the creditor or formally by making application to the court for vacation of the wrong judgment and entry of a correct one. If dealing with the creditor there are a couple avenues of approach. Contact the creditor and explain why you believe the amount is wrong. If you convince the creditor you are right and are able to pay the correct amount immediately, then just pay it and have the creditor remove the judgment. The judgment will still be in the wrong amount but it will no longer be of record. You might also be able to arrange payment of less than even the correct amount of the judgment. Creditors do not want to collect small amounts of money each week on a garnishment when they can have the bulk of the debt in one lump sum and close the file. You might also convince the creditor itself to enter an amended judgment with the correct amount. If you are unable to work out it out informally and if you can prove that the amount is wrong, then you can make a motion for vacation of the wrong judgment and entry of a corrected one. If you are proceeding through court to do this and if you failed to defend against the lawsuit or ignored the summons, you might not be allowed to contest the amount of the judgment unless it is manifestly incorrect. Sometimes judgments are in higher amounts than the original debt because the court tacks on interest, counsel fees and court costs. If you chose not to answer the summons you might not be allowed to challenge those amounts. Remember, the time to challenge allegations is not after the judgment is entered. it is when you receive the complaint.

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