I'm trying to get a mortgage, but I have a judgement on my record.
Debt was originally 2500 or so back in 2001, but with interest and all the bogus charges, the judgement turned into around 6500. (Great Seneca/Providian, so that should tell you something).
While i lived in seattle, the judgement was garnished from my paychecks, a little more than 1200 per month. I moved out of seattle to texas a few months after they started garnishing, due to job relocation.
In total I paid, by garnishment, 3600 or so. Great Seneca/Palisades Collection says I owe them 6500 still. I am trying to get the judgement cleared so i can close on my mortgage. Palisades Collection says they have no record of payment, but it was garnished so it's not like I'm making it up. They're RESEARCHING but say it will be a full week for them to check the records.
I've been battling this for a month now with we'll call you back, there's a hold on the account, we aren't willing to negotiate, pay us now, etc. etc.
I'm willing, as much as I hate to, to pay the remaining amount due just so i can get this settled, but I really feel like they're trying to milk me for the full 6500 even though i've paid more than half already.
Any general guidance?