Creditors Won't Do a Satisfaction of Judgment That Has Been Discharged in Chpt 7 Bk
My question involves bankruptcy in the state of: Idaho
I do credit repair and have helped many clients get Chapter 7 Bk off their credit reports.
I have a client that wants to buy a home. They were ready to go to closing and then the Title company said that 4 judgments are still showing on the county records. The county says they have to have the satisfaction of judgments from the original creditors. It is clearly showing on their BK papers that these judgments were in the BK and they have the discharge papers. Isn't the Federal judge over the county? Since these were discharged how does my client get them satisfied at the county level. I went to these creditors and they said my client can rot in hell. I thought the chpt 7 BK was to help people to start over. If these creditors can hold these debts over their heads the rest of their lives what is the point of doing the BK?
Re: Creditors Won't Do a Satisfaction of Judgment That Has Been Discharged in Chpt 7
The creditors don't have to execute a satisfaction of judgment when the judgment has not been paid. The judgment debt was discharged but it was not satisfied.
After bankruptcy, states typically permit the judgment debtor to document the discharge in bankruptcy to the court that issued the judgment in order to obtain an order of discharge or satisfaction of judgment on that basis.