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How do you remove a judgement sold to a collection agency?

I have a civil judgement on my credit report from an apartment complex I used to live in. The account was then sold to a collection agency. I want to work on paying this debt and getting it removed but I’m not sure if I should be working with the apartment complex , the court, or the collection agency. Can someone offer any advice on where to start?

Go to the court and get a copy of the judgment, then contact the attorney that sued you. His name address and phone will be on top of the form. Tell him you want to pay (offer to pay half, they MAY just take it and run)

If the judgment has been sold, the attorney will advise you, be sure and get that in writing from the attorney. Be sure to get WHO or which collection agency it was sold to.

If it’s now owned by a collection agency, keep in mind they paid pennies for your judgment, and will settle for probably less than a third of what you owe (if you grind them)

Also tell them “no deal” unless they offer to take less and report as “paid in full” also make sure they give you a “satisfaction of judgment” which you can file with the court.

Once this is filed, it becomes public record that you paid, this is when the credit bureaus will see that and show the judgment as “satisfied” on your credit report.

It will remain on your credit as “satisfied” for 7 years from the date the judgment was entered.

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