Medical judgment on my credit. Best way to proceed

[NyCtown]

I am trying to get rid of a Judgment from my credit and want to make sure i attacked this the right way.

 

Background:

1-Ex wife got some unpaid dental bill when we were married

2-Bill went to collection (lawyer representing the dental company) after divorce

3-ex wife and myself get served ( since I was the insurance policy holder, I guess they included me in it

4-Told her to go to court, but she didn't-(yes, know this should have been taken care of at this point) :-(

5-Judgment placed on my credit (date 6/11)

6-Ex wife pays of the debt in full, directly to the lawyer. she doesn't have any paper work from them. (Date 10/11)

 

Now she is fully aware that the debt was 100% hers and is willing to do the necessary.

Collection lawyer is a PITA, but I know that the state of illinois has a release and satisfaction form that I can try to get from the lawyer, and bring it to court and get the judgment vacated, then remove from credit report.

http://www.illinoislegalaid.org/index.cfm?fuseaction=home.dsp_content&contentID=7144&print=yes

 

Looking at the credit report, i see that I am listed a 'Joint' responsibility. Is that a good thing to leverage?

 

Which method should i go for to get rid of this judgment? Any input would be appreciated!!

 

 

[Why Chat]

The first thing you need to do is to follow all these steps:

 

http://www.whychat.5u.com/GUIDEBOOK.html

 

The next thing is to make sure that the "judgment" was actually recorded:

 

http://www.whychat.5u.com/deletejudg.html

 

If it IS actually recorded in the public records. you need to get a copy of the RECORDED judgment, this is NOT the same as the case file.

You can look for it on line in the same site where you would find recorded mortgages and deeds.

 

Depending on the results of THAT investigation you can send the dispute letter to each CRA where the "judgment" is reporting.

[NyCtown]

THanks for the reply WHYCHAT

 

I checked and there was NO recorded document from the county's website.

 

I will go ahead and send a letter to CRA. I will report back on the results.

 

Is there a reason why not to send the letter RR?

[Why Chat]

The certified mail tracking # is sufficient for proof of receipt. As this is an INITIAL dispute it is best that it not be handled by the department at the CRAs that deals with law firms and CROs ( credit repair organizations).

 

Under FACTA they are required to give CONSUMER disputes a high priority, however they are allowed to PRESUME that mail sent RR is from a non consumer.

[NyCtown]

I see. Thanks.

[NyCtown]

Glad to report that I follow the steps from WhyChat and I was able to delete the judgement on all my reports. The judgements were removed with my first dispute with the CRAs. I hope this helps someone.

 

Thanks WhyChat!