Contact the plaintiff and settle the debt. (In some cases, my office will accept payment on behalf of the plaintiff when the plaintiff cannot be located). Once the debt is paid, you should request and receive a Satisfaction of Judgment. The forms are available in my office. You should record the satisfaction in the Official Records. The steps through county and circuit civil court are far more complicated ? and time-consuming.

When you make your final payment on the judgment to the creditor, have the creditor sign a Notice of Satisfaction (available at the Small Claims Court). If you are not able to get the creditor to sign the Notice of Satisfaction and you wish to have the judgment removed from your credit rating, you must file a Notice of Motion ($75 filing fee) and Affidavit with the Small Claims Court for an order declaring that the judgment is satisfied. See similar questions...

If you find discrepancies related to your Capital One account on your credit report, call our Customer Relations department. We will help you investigate and resolve the matter. See similar questions...

Judgments relate to court proceedings and a subsequent order made by a magistrate that one party (normally the debtor) owes the other party (normally the plaintiff) a debt. The order becomes publicly available information which the credit bureaux upload direct from the courts onto their internal databases on a day-to-day basis. Credit providers are very concerned when they see judgments as this is an indication that the person or corporation is in financial trouble. See similar questions...

Our program is not for everyone, and we only accept individuals which are showing the desire and ability to correct their credit flaws and attain the American Dream of home ownership. While bad credit is okay, the right attitude is essential. We strive to set our clients up for success. See similar questions...