Civil Judgment nearly paid but now unemployed

[finder]

I had a wage garnishment for nearly 5 years and it was nearly paid. However, I lost my employment. Can I settle on the amount that is paid?

Also I had another civil judgment which has been paid. I still see the debt for that judgment on my CR report. How can I have the debt removed along with the civil judgment (because it has been paid).

 

[jharris352]

You can always make a settlement offer.

You can not have the creditor removed until it has been inactive for 6 years 4 months. The Judgment will be a little longer. The best you can do is make sure that both show a zero balance.

 

[finder]

So you are saying that the original debt/creditor cannot be removed even though the debt has been paid? Regarding the civil judgment, I understand that, however I hoped to at least have the debt removed.

 

[jharris352]

Nope. It is part of your credit history until it gets old enough to fall off.