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  1. #1
    Join Date
    Jun 2018
    Posts
    2

    Default Removing Bad Debt After a Favorable Court Ruling

    My question involves collection proceedings in the Commonwealth of Pennsylvania.

    A credit company sued me in PA magistrate court for unpaid debt. I received a default judgement in my favor. It is my understanding that this judgement means that legally I am not responsible for this debt. And, comsequently, it must be removed from my credit report.

    The legal action occurred in 2015. The bad debt is still present on my credit report. I disputed it, providing court documentation of the judgement. None of the bureaus would remove it.

    Two questions:
    1. Am I right in my understanding that the bad debt must be removed from my credit report as a result of the judgement?
    2. If so, what actions can I take to ensure it is removed?

  2. #2
    Join Date
    Jan 2006
    Posts
    37,030

    Smile Re: Removing Bad Debt After Favorable Court Ruling

    Did you actually receive a judgment or was it that the suit was dismissed?

  3. #3
    Join Date
    Mar 2013
    Posts
    15,633

    Default Re: Removing Bad Debt After Favorable Court Ruling

    Quote Quoting Slip2Debt
    View Post

    2. If so, what actions can I take to ensure it is removed?
    My guess is that you would have to get a court order for the item's removal.

  4. #4
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,179

    Default Re: Removing Bad Debt After a Favorable Court Ruling

    Unless there is also a counterclaim, when a plaintiff defaults a court typically enters an order of dismissal, not a default judgment. Did you in fact get a default judgment stating that no debt is owed, or an order that the case was being dismissed due to the plaintiff's failure to appear?

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