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BostonBill

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  1. Pandemic quirks don't matter. Per the NCAP settlement (and current CRA policy), CRA's don't report judgments. And Lexis is a CRA. Third parties can "maintain" them all they want, but that won't affect current CRA policies. And 99% of background checks never dig deeper than CRA-level detail. Unless CRA policies change, I guarantee you that this judgment will not show up on any background check that gets run on me in January 2023. Also, when asked, I don't legally have to answer truthfully, in all situations. I can literally lie to the questioner (in certain scenarios), as opposed to saying "I dont have to answer", and such a lie will be lawful, and not civilly or criminally actionable. This is analogous to, for example, questions about criminal records, where in certain scenarios (depending on the offense, statute, and who the 'asker' is), a person is legally allowed to lie, and say that they have no conviction on their record.
  2. Most of what you said is incorrect: - none of my cases are on appeal ... the last final appellate judgment was 14 months ago, as explained above. - as far as the courts I am in, online dockets are updated by the clerks, within 2 or 3 days after any activity. This has remained true during the last 14 months. - The Lexis et al data scrapers' access to court resources is now a moot issue. Per the NCAP settlement (and current CRA policy), CRA's don't report judgments. - I don't *always* have an obligation to answer affirmatively as to whether I have been sued or had a judgment. My obligation is very context-specific, just like, for example, people who are questioned about past criminal convictions. They are not always legally required to answer truthfully. It's a de minimis issue overall, at this point. I doubt that this judgment will ever show up on any background check report. And even if it does, it will be just like my bankruptcy, in the sense that it will have almost no practical adverse effect on anything for me, going forward.
  3. If it hasn't shown up anywhere by now, I doubt it will. It's been 28 months now, since the judgement entered (and execution began). But more importantly (per what CashNoCredit said above), it looks like civil judgments are not tracked by CRA's anymore, starting around 2016 or so.
  4. Thank you, I got it, and I just looked over my 46 page LN report. . Surprisingly, the judgment against me did not show up. I also have several other past lawsuits where I was the plaintiff (in both state and Federal courts, two cases which were in the news), and none of those showed up either. All are public records, available on online court dockets. I am surprised LN didn't pick them up. . Interestingly, as a test, I also applied to the most high-risk positions possible, as a full-time live-in caregiver for both toddlers and the elderly. They ran the most thorough background check possible (or so they say), and none of the lawsuits showed up there either.
  5. I had a massive 6 figure civil tort judgment against me, in state civil court. The judgment was entered at the trial court level (and execution began), in early 2019. I lost my final appeal 14 months ago, and so it was truly a final judgment after the appellate remand, as of March 2020 (it was later discharged in Chapter 7, so I don't have to pay it ..... poof!). What I can't figure out is, why did this judgment never show up, on any credit report or background check, over the last 14 months? I have had a Landlord background check, multiple background checks for gig economy contract work, and then a background check with Fidelity, for contract work where I had access to millions of $ (they do very thorough background checks). I viewed a copy of each background check, and this judgment is nowhere to be found. I also have a new background check being run next week, by a small VC firm that is investing $400k in my new legal tech startup. It looks like they will be using the same background check service that Uber used ('Checkr'), but hopefully, they don't look for me on any of the state civil court dockets (the only place where the judgment *does* show up). Does anyone know why this massive judgment, does not show up anywhere, other than the court? All I've been reading, for years, is that your credit reports will always capture judgments. I waited for doom, that never happened. Thank you for any thoughts.
  6. Court clerks give erroneous information all the time ... they're as bad as IRS employees. I'll see what they say, but it's large grain of salt territory.
  7. I don't have counsel - my (now former) Ch7 attorney doesn't deal with state civil court collection issues. I am Pro Se on that docket, and he has never entered an appearance. Also, this issue has nothing to do with the state civil court's processes related to updating dockets. They're not aware of the Ch7 discharge. It's also not an issue anyway, with respect to this specific court. During the height of Corona delays in 2020, they still updated the docket within a day or two of receiving any letter or motion.
  8. I had a large civil tort judgment against me in state court, that was later fully discharged in Chap7 bankruptcy. However, the state court docket still lists that civil case as 'open', and this judgment was finalized in the state court, as of 13 months ago. However, 'execution' and collection never occurred, as I was able to delay that process long enough to invoke the automatic stay under Chap7 (I was collection-proof under state collection law). Much to my surprise, this judgment has never showed up on any credit bureau report, and it has not affected my (now rapidly rising) FICO score. So my question is: do I need to do anything about this still 'open' judgment? I have tried to get a clear answer in other legal forums, and I cannot get a consistent/clear strategy on what to do. Calls to collection law attornies have also yielded no consistent answer. My Chap7 discharge is effectively a permanent injunction on any further collection activities, so that part I am not worried about. However, what I am worried about is that this still lists as 'open' on the state court docket, and I want to prevent this from propagating to any credit bureaus and/or background checks as a still open, and un-paid judgment, if possible. Thank you for any thoughts you may have on what (if anything) I should do. Do I need to file a motion, or just notify the state civil court clerk, via a 'Notice of bankruptcy', or something similar. I want the state docket to say 'Closed'.
  9. Wow, i've never heard of a CTR for something under $10k. That is new info to me. I've heard of SAR's for transactions under $10k, but never a CTR.
  10. Yeah, i called ahead to make sure .... they said they have over $20k worth of them on hand .... Wells Fargo is the CC
  11. i fully accept that risk ... it doesnt bother me if that happens .... if my business fails, i will have much bigger financial worries than a closed credit card account ....if it succeeds, i wont need credit anymore
  12. Thank you! yes, i was just reading MS threads today....it's a whole world i never knew existed..... lots of fear-mongering out there, i got caught up in it ..... sounds like my $20k is very small peanuts in the MS world
  13. Not following you. I have a limit on this card of $30k, so why would they disallow a $20k purchase? I always make large purchases over $10k on my cards, never had an issue. Also, if i do buy MOs, it wont be at that store anyway, so no worries there. A $20,189 purchase at Wegmans looks very different to a lenders fraud department than a $20,198 purchases at Ford, Google or a utility does. It may not be an issue at all but be prepared for them to question the purchase. That said, don't even give the filing of a report a second thought. You should seek to file a report whenever the amounts in question are even close to the triggering threshold to avoid the appearance of structuring. My main point is that their is much more likely hood that you will have an issue with Wegman's or with the lender than you will have any tax issues over the transactions... as long as you keep good records and don't conceal the true nature of the transaction(s). Ahhh.... thank you so much! i was thinking about that earlier, if i should call ahead to the CC company, and pre-warn them (although, i did that once for a lawyer payment, and the charge was still declined at first LOL). Appreciate those tips - that makes sense .... yes, i will have a full audit trail of where this $ is coming from, and where every $ goes to. I won't even take out a withdrawal at an ATM from any of these prepaid cards, that's how much of a goody-two-shoes i am, LOL! I have bigger fish to fry with my business, the last thing i need is any sort of IRS worry (even if it's "too paranoid").
  14. Not following you. I have a limit on this card of $30k, so why would they disallow a $20k purchase? I always make large purchases over $10k on my cards, never had an issue. Also, if i do buy MOs, it wont be at that store anyway, so no worries there.
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