Legal Question in Credit and Debt Law in New York

Judgement against me.

I got a judgement against me for a credit card or loan that i got about 12 years back when i was going to collegge. Sence it was so long ago and it was past the 7 years that it should had been on my records why are they taking my money now. And, what can i do to reverse the judgement.

thank you.


Asked on 6/08/08, 11:42 am

1 Answer from Attorneys
Frank Loscalzo Law Office of Frank Loscalzo

Re: Judgement against me.

You left out the date of the judgment, which is crucial to understanding the problem.

Assuming you defaulted on the debt 12 years ago, they had 6 years from that time to bring a lawsuit an obtain a judgment, and 7 years (with the possibility of another 6 months) to report the debt on your credit report.

If they obtained a judgment within the 6 year time frame, that judgment is good for 20 years.

If they recently obtained the judgment, you probably have an action under the �Fair Debt Collection Practices Act�. The resolution of which, would most likely result in your getting the judgment vacated, and an award of money damages

We handle consumer debt matters like this through out the NYC Metropolitan area. If you would like to discuss this more in depth, call or send me an email. [email protected]

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Answered on 6/08/08, 12:57 pm


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