Monday, April 5, 2010

How to Remove Judgments From a Credit Report After Bankruptcy

A Chapter 7 bankruptcy discharges your debt obligations, but while the original accounts that judgment liens are associated with are paid off, the liens are not automatically removed from your credit report. A lien is difficult to work around, as you won't be able to sell real property without removing the lien from your credit report. A judgment lien whose original account has been discharged through bankruptcy can be removed, but you need a lawyer to do so.

Instructions

    1

    Gather the lien paperwork, your bankruptcy paperwork, the judgment and the original account paperwork together. Confirm that the original account the judgment lien is associated with is one of the debts that you discharged through your bankruptcy.

    2

    Contact and hire a lawyer or attorney specializing in credit law, liens or bankruptcy.

    3

    Request that the lawyer goes to the court the judgment was first granted in, not the court that you where filed bankruptcy. Tell the lawyer to file a motion to vacate with the court clerk. Provide the bankruptcy documentation to prove that the judgment lien was paid through a debt discharge.

    4

    Send the motion to vacate to the creditor to have the lien released. The creditor will send a release of the lien to you.

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