I have a paid judgement on my credit report. It is a judgement by default because I was never serviced. I pulled up my case online and it says that I was serviced in the docket notation by personal service.
The bill in queston is from a debt owed to my school. The lawyer/collections that bill which they were collecting on was wrong and that I never attended the courses. I called the school and they said I could not see my transcript until my arearrs wer paid. I was supposedly placed in judgement in 12/2005 by default.
I paid the bill after a year. They marked the judgement as satisfied. But again I was never served and I believe the amount($10k) I was sued for which was also raised due to the 33% attorney fee for collections, was inaccurate.
The school is giving me all hell about amending my records, and the judgement is still on my record. Plus I no longer attend the school and my bill i paid so I guess they wont lift a finger because they have their money.
How do I get this removed? I know I should file a motion to vacate judgement, but what are my chances? What does a motion to vacate look like?
How do I prove I wasnt serviced. Their docket remarks dont say a word about signatures or certfied mail or anything. I havent moved or changed addresses.
This school is causing me to not be able to attend and other school or make any other lofe preperations for my financial status due to this judgement effecting my credit.