Legal Question in Credit and Debt Law in Texas

Vacating a Default Judgment

A judgment was filed against me in Texas four months after relocating to California but I eventually filed bankruptcy shortly afterwards. I was never formally served. However, the debt was filed under Ch. 7 Bankruptcy. The judgment is still on my credit report and I'm attempting to vacate the judgment or get it removed from my credit report. From what I've been told this will remain on my credit report despite the discharge. Is there anything I can do to get this judgment off the credit report.


Asked on 6/22/04, 10:04 am

1 Answer from Attorneys
Peter Bradie Bradie, Bradie & Bradie

Re: Vacating a Default Judgment

I expect it's far too late to try to get the default judgment reversed through a Bill of Review, and probably not worth the cost to begin with. The judgment is a valid judgment, and may be shown on your credit report for seven years. The bankruptcy will be there for ten years.

You can add an explanation to your credit report. Let the creditors know that you were never served, or you would have answered the lawsuit. But there's nothing you really can do to take the judgment off the report.

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Answered on 6/22/04, 3:17 pm


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