Legal Question in Credit and Debt Law in Alabama

Small Claims judgment

This is more of a civil matter. but here goes. If I am sued in small claims court by a creditor, and the judgment goes in my favor in the case, can the creditors still charge off the amount that they claimed I owed them and report it to the reporting agency as a paid charge off on my credit repot.


Asked on 10/24/07, 3:39 pm

2 Answers from Attorneys
John Watts Watts Law Group, P.C.

Re: Small Claims judgment

If you win your case, then that means potentially that you do not owe the money. You can read about this in our blog at http://www.alabamaconsumerlawblog.com/2007/07/what_happens_when_you_defeat_c.html

That post is directed towards debt buyers but it is the same principle - if you get sued and you win then it normally means you "are not guilty".

So, if that is put on your credit report then you have some options.

Let me know if you have any other questions or if I can help you in any way.

Thanks

John Watts

[email protected]

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Answered on 10/24/07, 3:47 pm
Rhonda Hood Hood & Lay, LLC

Re: Small Claims judgment

If a court determined the debt invalid and not owed, then it would be inappropriate for the creditor to charge it off and report it against you. You may have a claim against the creditor for the false reporting. In addition, I suggest you dispute this reported information on your credit report.

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Answered on 10/24/07, 5:41 pm


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