Legal Question in Credit and Debt Law in Michigan

Hello. I currently have 4 judgements on my credit report. 3 are paid and one isn't paid. I would like to know if there is any precedent in Michigan to have the paid judgements vacated so they can be removed from my credit file. In regards to the unpaid judgement is there any time limit that creditors have to collect from you? I was told by one source that they have to collect in 6 years in Michigan or it goes beyond the statute of limitations? I don't know if this is correct or not. The judgements were all filed in Jackson County.


Asked on 3/21/15, 10:47 am

1 Answer from Attorneys
Andrew Campbell Andrew L Attorney at Law

A judgment has a 10 year period of limitations that can be extended to at least another 10 years and can be tolled (stopped) in certain situations. Fore example, if a judge grants an installment payment plan that stops the 10 year running. I am not sure why a judgment would have to be vacated other than if there is an agreement with a creditor to do so but unless the some defect in the issuance of the judgment I know of no law that will allow it to be vacated. A paid judgment would be noted as "satisfied" on your credit report.

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Answered on 3/21/15, 3:10 pm


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