My question involves judgment recovery in the State of: Massachusetts
Attorney for credit card company filed judgement in 2012.
As a single mother, my income was limited to Social Security Survivor benefits and employment income which was just enough to cover cost of living and child care so, I was unable to pay.
Sheriff served my employer and me notification of wage garnishment via a co-worker who was working at the time of delivery.
Afraid of losing a penny from my paycheck, I paid the judgement that day by having my commissions advanced to me by my employer rather than paid monthly as usual.
For payment that day, it was agreed that the judgement would be removed from my credit report (I do not have that in writing).
It only came to my attention about 6 months ago after applying for a home loan that the judgement was still reporting- and as unpaid.
I have called, emailed and sent a letter to the attorney who filed the judgement, emailed the President of American Alliance of Creditor Attorneys, Inc (Plaintiff affiliation) who forwarded my information to the Plaintiff attorney, and a court clerk has left two messages at the attorney's office- he has not responded.
I do not have a receipt of payment (ugh...), BUT, the original credit account is reporting as paid (however, my payment history with Experian shows the account was charged off just last month- I paid early 2013- although the status shows "paid, $6,986 written off"...the credit card company doesn't seem to think any of that matters since it IS showing "paid"- ugh, again).
Problems as a result:
I can't refinance my 14% interest rate car loan and my payments are astronomical.
I can't obtain a home loan and rent payments are greater than mortgage payments.
I'm completely stuck in a financial rut- I've just recently had to start collecting food benefits.
Months of credit disputes, unanswered contact attempts, numerous customer "service" failures and searching online for direction, has ended me here to hopefully learn what else I can do to find help with getting my credit reports to reflect correct information?
Do I have any legal "rights"?
I REALLY appreciate any advice given- thank you.....!!