p.s....forgot to mention/explain one thing....
If you ever have the chance to vacate a judgment......definitely do that.
Disputing only removes it from your credit report......it does not excuse you from paying the debt.
Vacating it will actually remove the judgment and the ONLY way the company would be able to garnish wages or come after you for the money is if they serve you and file a lawsuit AGAIN. So....say you are able to get it vacated and now the debt is out of SOL.....they technically cannot try to sue you (if they did you would have an affirmative defense). Of course if it's still within SOL, they will probably try to come after you again but at least this time you would be somewhat prepared.
If it turns out you were served properly.......then go ahead and dispute it with the CRAs.... it may be a valid judgment/debt but at least you can still try getting if off of your reports.
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~Trish~ |