Legal Question in Credit and Debt Law in Massachusetts

I had a small claims from 2010. It is showing on my credit report as a judgment. It is paid off. I got a letter from my creditor but I don't think they have reported to the courts/credit bureaus. I am applying for a mortgage and they are requesting something from the court that this is taken care of. If I give them something with the status, 'Disposed, Statistical Purposes, will it be acceptable?? What does that mean?


Asked on 6/17/15, 6:47 am

3 Answers from Attorneys

ERNEST BIANDO LAW OFFICE OF ERNEST T. BIANDO, LLC

The creditor should have filed the judgment as paid in full with the court-the court would be able to give you a copy upon request.

Read more
Answered on 6/17/15, 6:51 am
Jed Berliner L J Berliner

"Disposed, Statistical Purposes" only means the court closed the case, not that anything was paid.

Attorney Biando is correct, that the creditor should have reported your payment in full to the court. You can sue the creditor for slander and unfair trade practices, and you can initiate a Fair Credit Reporting Act dispute with the credit reporting agency, asking it to investigate with the creditor. The creditor might not bother to respond, so the Agency would then remove the report entry.

Good luck.

Read more
Answered on 6/17/15, 7:14 am
Dmitry Lev The Lev Law Firm

I second what my two esteemed colleagues said, but as another option - you may just be able to contact the creditor and ask them to file a satisfaction of judgment with the court (or at least send you a letter saying that it's been satisfied). If it was a reputable law office that represented the creditor, they may just go ahead and do it without giving you a hard time. That may be the fastest way, if you're applying for a mortgage.

Read more
Answered on 7/19/15, 11:30 am


Related Questions & Answers

More Credit, Debt and Collections Law questions and answers in Massachusetts