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  1. #1
    Join Date
    Mar 2006
    Posts
    2

    Default

    So, will they be able to file a judgement against me for this? On the phone, I told them as little as I could limiting my response to and explanation that I was not "refusing to pay the debt", but could not agree to their terms at this time.

    The last thing I want to do it re-open this when it should be dropping off soon. I'm just worried that they might file a judgement or do something that would reset the SOL or further soil my credit. I know they're just putting on a 'full court press' with the impending drop from my credit report, but it's still pretty rattling.

    Thanks

  2. #2
    Join Date
    Oct 2006
    Posts
    10

    Default Re: Judgement on Old Debt

    An other key factor is calculating 7 years from the date of the original default. If it is over 7 years it should not show up in your CRs. One problem is that creditors try to be very creative about the date they start the 7 years from.

  3. #3
    Join Date
    Oct 2006
    Posts
    10

    Default Re: Judgement on Old Debt

    As to the inquiry: was it so called hard, or soft inquiry?

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