Is there a legal way to get a civil judgment...

[¤¤Je§§ica¤¤]

...removed or lowered? My husband had a car repossessed six years ago and after auction we stilled owed 6000 dollars on the car. Well after a lot of run around and misunderstanding, the bank filed a civil suit against us for the money and then put a judgment on my husband's credit report. We are now trying to buy a house and we need to get he judgment off of there. We could pay it outright and get it removed within a period of time, but a lot of the run around during the inbetween time seems fishy to me...and I don't think we owe what they say we do...however, I can't prove it. So my question: Is there a legal way to get a judgement removed(without paying it) or getting it lowered.

[jimmy b]

Believe it or not if a credit collector has it many will negotiate to lower it up to 70% and if your bank still has it they may as well, deal direct NO companies that offer to help, they cost too much

[damron]

You had 30 days after the judgment was entered to motion the court to vacate. Six years later your only recourse is pay up and ask the plaintiff to send a notice to the credit bureau that the debt is paid. Jimmy has good info too go to the source!

[Navy Sailor - GAI]

You need to pay the $6k plus any interest and fees that are being added since you aren't paying them. Then it will show as a paid judgement but it will stay on the report for 7 to 10 years depending on your state. Be prepared for a huge interest rate if you ever get approved for a mortgage.