How do you remove recorded judgements after Chapter 7 bankruptcy case is discharged and closed?
- Friday Nov 27,2009 08:04 AM
- By diddy
- In Others
I filed Chapter 7 and before we had the chance to remove the recorded Judgements, the court discharged the case and closed it. I wonder how to remove the judgements without re-opening the case. We know that the judgements were wiped out in the bankruptcy, but not sure how the recording can be voided and removed?
So if I attempt to purchase real estate in a couple of years, the escrow and title companies wouldn’t bother asking me to deal with those judgements???
Bankruptcy Case, Chapter 7 Bankruptcy, Court Case, Escrow Companies, Judgements, Real Estate
3 Comments
You can file a dispute with the bureaus, tell them that debt was discharged in your bankruptcy (you might provided them with a copy of your discharge papers). The bureaus should note the judgment as "Judgment in Bankruptcy". But it will not be removed — it will remain on your credit report for 7 years from date of entry.
The judgments will age off in 7 years or your state’s limit on judgments, which ever is the longest. They should be noted as discharged in your bankruptcy, but that does not get them removed.
Those entries are your credit history and will remain on your credit report for 7 years.
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