How to get rid of an old default judgment?
There are a few steps you can take to try to get rid of an old default judgment. A quick disclaimer before we continue, this is not financial advice. This is just my opinion based on research.
How to get rid of an old default judgment?
There are four ways that come to mind to get rid of an old default judgment which are to vacate the default judgment, to appear the default judgment, negotiate with the creditor, and seek the help of a lawyer.
Ask the court to vacate (cancel) the default judgment
Ask the court to vacate (cancel) the default judgment.
If you have a good reason for not responding to the lawsuit or appearing in court (such as not being properly served with the lawsuit), you may be able to ask the court to vacate the default judgment.
This will require you to file a motion with the court and provide evidence to support your request.
Appeal the default judgment
Appeal the default judgment.
If you believe that the default judgment was entered in error or that the amount of the judgment is incorrect, you may be able to appeal the judgment to a higher court.
This will require you to file a notice of appeal and follow the proper procedures for appealing a court decision.
Negotiate with the creditor
Negotiate with the creditor.
If the creditor is willing, you may be able to negotiate a settlement or payment plan to pay off the judgment.
This can be a good option if you are unable to vacate or appeal the judgment.
Seek the help of a lawyer
Seek the help of a lawyer.
If you are not comfortable handling the matter on your own, or if the process is too complicated, you may want to consider seeking the help of a lawyer who has experience dealing with default judgments.
A lawyer can advise you on the best course of action and represent you in court.
Final thoughts
It’s important to keep in mind that getting rid of a default judgment can be a difficult and time-consuming process, and there is no guarantee that it will be successful.
If you are facing a default judgment, it’s a good idea to seek the advice of a lawyer or other legal professional as soon as possible.
