Credit

Individuals cannot "put" something on someone else's credit report. Judgments are part of the public record, and as such, are the subject of routine searches by individuals who re-sell this type of information to Credit Reporting Agencies. So, if you were the prevailing party in a judgment, you can be relatively certain the judgment will find it's way onto the defendants credit. In most states, a judgment must be recorded twice to ensure that it attachs to any real property owned by the defendant.

Yes, a court in New York can garnish wages for credit card debt acquired in Florida and California as long as they have jurisdiction over the debtor. This could include situations where the debtor resides in New York or has assets located there.

Some judgments will be removed according to the seven year time limit some will not. Many judgments are renewable, if that is the case the judgment can stay or be reentered on a CR. The "filed" indicates when the judgment became valid, and that is the date from which the seven year time frame usually begins.

No, however the creditor or whomever the judgment was awarded to can use several options in accordance with the state laws to recover the money owed. Some of those options are, wage garnishment, bank account levy, lien against real property, the forced liqudation/sale of nonexempt assets owned by the debtor.

Is this a collection letter or a court summons? Summons -a legal document issued by a court, addressed to a defentant in a legal proceeding. This will usually announce that the person to whom it is directed that a legal proceeding has been started, a file has been started and will announce a date by which the defendant[s] must appear in court or respond in writing to the court or opposing part[ies]. For a collection letter- Often a legitimate debt collector or someone trying to put on over on the consumer will demand payment on a bill that the consumer is not even aware exists' [either by choice or by accident]. Besides ignoring the phone calls [because the statute of limitations has most likely run out],pull your credit report to see if this debt is reporting as 'past due', 'in collections' [etc]. www.annualcreditreport.com If this debt is not being reported, you can almost assume that the account is either not yours [they may be calling all 'Mary A. Smith's' in a 6 state area] or some junk collection agency bought this account and is trying to collect on an old debt. You can take the time to contact the agency to request a 'debt validation'. The Fair Debt Collection Practices Act requires that debt collector issue proof of/for this debt. www.credit.about.com/cs/consumerwisdom/a/123103.htm

A tenant-landlord civil judgment can stay on your credit report for up to seven years from the date it was filed. This can negatively impact your credit score and ability to secure future rental agreements or loans. It's essential to address any outstanding judgments promptly and work towards resolving them to improve your credit profile.

Yes, an unlawful detainer judgment can negatively impact your credit score. It may appear on your credit report as a negative item, leading to a decrease in your credit score and potentially affecting your ability to secure future loans or rental accommodations.

Seven years. However some types of judgments are renewable and can remain on a report indefinitely. The length of time a judgment may show on your credit report is established by the Fair Credit Reporting Act 15 USC 1681c, 605(a)(2). It reads "...Information excluded from consumer reports...civil judgments...that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired..." So, any judgment would be displayed for 7 years from the date of entry (filing), regardless of the state it was filed in. The time period a judgment is valid is determined by state law. In Washington that time period is 10 years. After 7 years from date of filing the judgment would no longer show on your credit report, but other actions allowable by law: placing a lien on real property, wage garnishment and seizure of bank accounts would still be possible. Washington state also allows judgments to be renewed. Should a plaintiff choose to do so, any unpaid judgment could be renewed for another 10 year period. The renewal, being a new filing, would cause another listing on your credit report, which would appear for 7 years from the new date of entry.

A satisfied judgment can typically stay on your credit report for seven years from the date it was filed. Even after it is satisfied, it may still appear on your credit report for the full seven-year period, but with a notation stating that it has been paid.

The statute of limitations on reporting chapter 7 bankruptcies for 10 years has been in place for many years prior to the Fair Credit Reporting Act being amended in 2003. A chapter 7 bankruptcy can be shown on your credit for 10 years from its date of discharge.

Yes, in Florida, creditors can sue individuals over unpaid credit card debt. If a lawsuit is successful, the court may issue a judgment against the individual requiring them to repay the debt.

Being sued by a creditor (especially if you don't defend against the suit) will result in a default judgment being granted. This legal item will find its' way onto the Public Records portion of your credit report. The fact that the jurisdiction is out of state for you, as the Defendant, simply makes it more difficult to dispose of.

Judgements can accrue interest, depending on the laws of their jurisdiction. They are rarely "collected", but do remain on your records and credit report, causing problems into the future. Consumers usually have to deal with public record issues upon trying to secure credit. Under certain states' laws, judgments can be renewed. This means that no matter how long you try to wait them out, you will have to pay the debt one way or another. In the meantime, all accounts and services which utilize credit reports are costing you more money. These include: Housing, utilities, insurance, employment and (of course) credit.

Having any items in the public records portion of your credit report causes all other marks to impact your score more than someone with no public records. This is the case even when those legal items are paid and have their proper disposition. For all of these reasons, it is in a consumer's best interests to answer/fight/settle all lawsuits to avoid a judgment being granted.

No. A collection agency has no legal authority. They can refer the account to a collections attorney who can then file a lawsuit for the debt owed. Yes! A collection agency has the right to file a lawsuit as the assigned creditor under the agreement that you signed when applying for the credit card.

Left the states as in the US?If you are militarythat is irrelevant, because they know where you are.Be that as it may, your liability depends on whose name the card(s) were in, what your divorce decree stated, etc. Although credit card companies don't really care what is stipulated in a divorce settlement. They want their money, period. They can sue you, garnish wages, bank accounts and take other actions to get payment. You cannot be arrested. There are no debtor prisons, fortunately. If there were they would be filled, with decent people who have fallen on hard times.

Wouldn't that be nice? But, if it were true, then how would any credit card company get paid their money? What is true is that there are scams out there wherein people are trying to avoid their legally incurred liabilities through various means. Some of these, if not illegal, are borderline illegal and certainly it's just a matter of time before laws are passed which close this (possible) loophole. Even if there were some legal way to avoid paying what you owe; life has a way of evening out the scales of justice one way or another. We cannot avoid the consequences of our behavior. That is impossible. All those old cliches are true. You don't get something for nothing. You gotta pay what you owe. It is often less expensive and easier in the long run to own up and pay up without trying to duck and dodge.

Satisfied judgments do not get removed from a consumer's credit report until 7 years from the date they were filed. You might get lucky and the judgment be shielded from view 7 years after the original legal action was filed (once the satisfaction shows).

It is possible, and legal, for the satisfaction to show for 7 full years from it's filing date (which may be different from the judgment filing date).

No, a civil judgment item on a credit report typically remains on record for seven years. Once this period has elapsed, the entry is usually removed, and the judgment is considered satisfied. After the seven-year mark, it's unlikely that the judgment can be reopened for deposition solely due to its presence on the credit report.

I am not familiar with Texas law. The federal statute of limitations is 7 years from the date the judgment was rendered, unless there is a state law that superceeds this statute. Then it would be "whichever is longer".

Plaintiff's do not enter a judgment on the defendant/debtor's credit report.

Private agencies research court records and report civil lawsuit judgments that have been entered against a debtor to the credit bureaus.

I believe credit accounts are not removied from your credit report unless they are not your accounts (fraud) to being with. The credit bureaus should be able to notate that the account has been suspended, cleared, or paid in full with regards to that account. You can also place a message of your own in your credit report that anyone can see when they pull your credit. Also, accounts are not deleted from your credit report until they run their course. It can be 7-10 years depending upon what type of collection account it is.

The length of time items are displayed on a consumers' credit report is established by the Fair Credit Reporting Act, a federal law. It says at 1681c, Sec. 605 that judgments are excluded from credit reports when they are seven years from their date of entry "...or until the governing statute of limitations has expired, whichever is the longer period."

Depends on how it was filed, but the judgment itself is valid a minimum of 5 years once it is awarded. Details can be found at http://www.sunbiz.org/corpweb/inquiry/jlien_how_to.html

The length of time a judgment may show on your credit report is established by the Fair Credit Reporting Act, a federal law.

FCRA 15 USC 1681c, Sec. 605, reads:

"(a) Information excluded from consumer reports...(2) civil judgments...that from date of entry, antedate the report by more than seven years or until the governing statute of limiations has expired, whichever is the longer period."

Certain states allow a judgment to be renewed. In Florida, a judgment is valid for 20 yeas, but must be re-recorded after the first 10 years. The re-recording could possibly trigger the judgment to appear on a consumers credit report.

A student can use a plagiarism checker tool to help ensure their paper does not inadvertently take credit for someone else's work. By running their paper through a plagiarism checker, they can identify any instances of copied content and properly cite sources to avoid plagiarism.

Hard inquiries stay on a credit report for about two years. While they may impact your credit score in the short term, their effect on your score diminishes over time. Multiple hard inquiries within a short period can signal to lenders that you are taking on too much debt.