Credit card judgments placed against you are serious black mark on your credit history. They reflect poorly on your credit report and reduce your credit score. They will prohibit you from applying for any additional credit, and in severe cases, your wages can be garnished. This means your paycheck will be debited every week in increments until the amount you owe is paid.

Laws vary from state to state, but there are no legal reasons prohibiting a credit card lender from garnishing your wages. Simply because you changed residences and now live in a different state from where you first applied for the credit card will not stop a law suit or proceedings to collect this debt.

If you have lost your job or your hours have been cut back resulting in less wages, you may be able to negotiate a settlement amount with your creditors if you ask for it. Have all pertinenet pay stubs and paperwork available when you talk to them. They may be able to help you or work out a payment plan.

You have thirty days in which to appeal to the court to have the judgment vacated, and you must appear before a judge. Go to your small claims court and ask the clerk for a “Notice of Motion to Vacate Judgment” who will then time stamp it and file it with appropriate court.

You have to appear in court if you want the judge to consider your circumstances and appeal the “Notice of Judgment” against you. You have 180 days in which to file a “Notice of Motion to Vacate Judgment” if you were not aware of original judgment. This cannot be done until the paperwork is timestamped and a date has been set by the clerk.

Learn how to effectively dispute and erase a legal judgment from your credit reports. See the true story of how judgment victims cleaned up their credit scores at www.creditreportjudgement.com.

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