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Reasoning Headache

Discuss the legalities of Bankruptcy Law

Reasoning Headache

Postby Ysberin » Fri May 02, 2014 5:50 am

Following a long-long episode of medical issues with my oldest boy (born 27 months early, however now balanced at 12yrs), my spouse and that I filed for bankruptcy. Among the medical services that people submitted against no more exists. They "vanished" 3 times after my bankruptcy reading occurred. The service and individuals remain, however it is just a different organization that owns and runs it. Before the clinic possessing the service, another clinic took over administration of the service for 9 weeks, however they didn't manage any balances before the day they started their rule. A healthcare facility that operates the service today doesn't manage any consideration difficulties with the initial organization or even the balances from hospital team just before them.I have a ruling submitted by the corporation on my credit history, but given that they no more occur, they didn't and certainly will not record the view as happy. I approached the lawyer that handled the situation against me and he explained the previous organization ripped all collection records and documents from him in one single day - actually effective court cases. I had been informed they collected up almost all their material and vanished. I am unable to contact one to clear this error up.How do I obtain a currently non-existent organization to record a satisfaction or discharge of view once they don't occur nowadays?Because my bankruptcy, we've been luckily enough to receive complete possession of the home that my siblings and myself possessed since my dads death. We've a good enough house, but we can't actually obtain a 00 mortgage on the house with no-mortgage due to the view on my credit. Meanwhile, the leaky ceiling and bad windows keep receiving worse.
Ysberin
 
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Judgement Nightmare

Postby napayshni65 » Thu May 08, 2014 7:43 pm

Talk to your bankruptcy attorney.The underlying debt may have been discharged but I don't know how it works for the judgment.
napayshni65
 
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Judgement Nightmare

Postby Klevon » Fri May 09, 2014 1:24 am

"...they...can not report the judgment as satisfied..."They wouldn't even if they were still in business.Judgments are legal actions that are recorded in public records of the jurisdiction in which you were sued.
The filing shows in the "Public Records" portion of your credit report.Independent contractors scan courthouse records.
They sell these to data clearing houses who then re-sell the records to the three major Credit Reporting Agencies.
This is how legal items find their way onto your credit report.Once a judgment is granted by the court, it must be resolved by the court.
At this point, it's not between just you and creditor anymore.
The resolution is called a "Satisfaction of Judgment".
You should be able to find out how to obtain the satisfaction by calling the courthouse or consulting a local attorney.As suggested, your own bankruptcy attorney may be able to assist.
Indeed, no mortgage company will risk lending you money with an unresolved judgment showing on your credit.
Klevon
 
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Joined: Sun Jan 12, 2014 10:22 pm
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