Im new here to CB and Ive been reading and taking in a lot of information these past couple days. I know I have a long way to go in repairing my credit, but now is the time to start getting things in order.
Over the years I would see various medical collections on my reports. Most of which I do not remember. I had disputed them but unfortunately without the help of this site or letters, they would come back as verified. I paid one or maybe even 2 of them off (even though I had no idea I had these services done) and now I have 4 open medical accounts in collections and one judgment from 2009 for $1000 plus 6% from the date of the judgement (on TU under the remarks it is labeled as "payments deferred")
I was never given any notice about any pending judgement!
I have contacted the court house and asked them to send me a copy of the judgement as suggested on WhyChats website. I have the information of the lawyer as well.
But my questions is, how should I go about validating the debt from the OC without resetting the SOL? (the debts originate in Virginia and I have moved out of state since then) Ive read that a judgement can reset itself whenever (is this information correct?) Do I need to start the HIPPA Process?
My ultimate goal is homeownership, and I know I have to get this stuff off if I ever want to think about owning my own home. Thanks in advance, and let me know if any further information is needed!