Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Motion to Vacate Judgment

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • #46
    Congrats! What a battle you've been through but VICTORY is sweet!

    Comment


    • #47
      Originally posted by df04527 View Post
      Congrats! What a battle you've been through but VICTORY is sweet!
      Thanks!



      A lot of "learning by doing" was involved but I made and make sure that anybody else on this forum trying to accomplish the same - at least in Florida - will have a smoother process than I did. I'm still stunned about the lack of information available about this topic.
      Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
      FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
      FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

      Comment


      • #48
        Yay for you, IBroke!!
        ~~ Filed Over Median Income Chapter 7: 12/17/2010 ~~ 341 Held: 1/12/2011 ~~ Discharged: 03/16/2011 ~~
        Not an attorney - just an opinionated woman.

        Comment


        • #49
          congrats!! i knew you could do it. one more little step (sorry) you must make certain the order is recorded and put on the record. being that the motion was grated you should receive a copy of the signed order a hard copy although actually i'm not positive about how it exactly works in fl. just make certain either way it's recorded as be granted.

          GREAT job!!!
          8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

          Comment


          • #50
            Originally posted by ValleYum View Post
            Yay for you, IBroke!!
            Thanks, ValleYum!

            Originally posted by tobee43 View Post
            congrats!! i knew you could do it. one more little step (sorry) you must make certain the order is recorded and put on the record. being that the motion was grated you should receive a copy of the signed order a hard copy although actually i'm not positive about how it exactly works in fl. just make certain either way it's recorded as be granted.

            GREAT job!!!
            Thanks! Yup, the signed order is - according to the secretary - already in the mail and I'll receive it either tomorrow or Friday. As soon as my schedule allows, I'll take it to the clerk's office and have it recorded (I'll still have to do some research if the order needs to be notarized and if so, if that can be done by the clerk's office, too). No doubt that I'll have it recorded. I think that's also crucial in regards to having it removed from my credit report. Otherwise, it could still appear that the judgment would be valid.

            I'll keep you all up to date.
            Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
            FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
            FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

            Comment


            • #51
              So, just came back from the mailbox - and there it was: The signed order to cancel and discharge judgment! Boy, I have to say that was really fast!

              This morning, I called our clerk's office to find out how the recording works. To my surprise, I was told that they would usually do that automatically. I was advised to check if I would receive a copy or the original of the order. If I would receive the original, I'd have to go on and have it recorded. If, however, I'd receive a copy, the recording would be handled by the court. Well, I received a copy so I guess they will record the original. Great service!

              Guess all I have to do now is wait. I have online-access to the specific case-records and my public records and once the order shows up in both systems, I'll launch my TransUnion dispute.
              Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
              FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
              FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

              Comment


              • #52



                8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                Comment


                • #53
                  UPDATE:

                  Checked my public and the court case records and voila - order recorded in both systems. I guess that's it!
                  Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
                  FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
                  FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

                  Comment


                  • #54
                    NEW UPDATE:

                    Disputed the judgment with TransUnion a couple of days ago and received the result of the investigation: Judgment deleted from credit report. Bingo!
                    Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
                    FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
                    FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

                    Comment


                    • #55
                      This sounds like a very involved process. What kind of judgements can be vacated?
                      Filed Chapter 7: Nov 2012, Discharged Feb 2013, Closed May 2014
                      Post-Discharge:EQ: 665, EX: 716, TU: 674 (All Fakos)
                      Current FICO Scores (1/1/15): Ex: 706, TU: 690, EQ: 676

                      Comment


                      • #56
                        PG, you have to look up the requirements and procedures for your state, they vary. Also, if you had an attorney for your BK, you might ask him/her about vacating. Attorneys sometimes charge extra for this, mine said $350. I had one judgement before BK. A few weeks after I filed, I received a signed order of dismissal, so I didn't have to do anything, but I read up on judgements before I filed.

                        Comment


                        • #57
                          Originally posted by Pjmax View Post
                          PG, you have to look up the requirements and procedures for your state, they vary. Also, if you had an attorney for your BK, you might ask him/her about vacating. Attorneys sometimes charge extra for this, mine said $350. I had one judgement before BK. A few weeks after I filed, I received a signed order of dismissal, so I didn't have to do anything, but I read up on judgements before I filed.
                          But what is considered a judgement? Default on car, or house that was dismissed through the BK7?
                          Filed Chapter 7: Nov 2012, Discharged Feb 2013, Closed May 2014
                          Post-Discharge:EQ: 665, EX: 716, TU: 674 (All Fakos)
                          Current FICO Scores (1/1/15): Ex: 706, TU: 690, EQ: 676

                          Comment


                          • #58
                            A judgement is a public record, and it is called a judgement or judgment. If you've been successfully sued by a creditor, they most likely have a judgement against you. You should know if there is one, you should have been served, although they do slip them through occasionally without proper notice and service. If there is nothing showing on your CR, you can usually do a search on your state or county court website and see if anything comes up.

                            Comment

                            Unconfigured Ad Widget

                            Collapse
                            Working...
                            X