u/Elegant_Raisin9854

Hi, I had a loan that I defaulted on for just over $5K. I stopped receiving communication from the original creditor and they apparently sold and the new creditor hired a law firm that sued me.

I was unaware of this and was never served papers (I moved). The ruling was a default judgement, so I’m told.

I’m going to pay the debt in full but want to know how to proceed with the court ruling. The law firm said they’ll remove the pending garnishment once payment is made.

I want to know if it’s possible to negotiate the court filing? I’d like something equivalent to a marriage annulment, if that’s even a thing. A quick google search says maybe a “Set aside judgment”.

I want to pay it off but would prefer the court case to be “dismissed” or whatever the legal term is for never happened.

I’m not sure if or how this will impact me in the future but I’d rather have a clean record, so to speak.

Thank you for any help.

Sued for debt, default judgment, can the court case be “removed” if paid in full?

Hi, I had a loan that I defaulted on for just over $5K. I stopped receiving communication from the original creditor and they apparently sold and the new creditor hired a law firm that sued me.

I was unaware of this and was never served papers (I moved). The ruling was a default judgement, so I’m told.

I’m going to pay the debt in full but want to know how to proceed with the court ruling. The law firm said they’ll remove the pending garnishment once payment is made.

I want to know if it’s possible to negotiate the court filing? I’d like something equivalent to a marriage annulment, if that’s even a thing. A quick google search says maybe a “Set aside judgment”.

I want to pay it off but would prefer the court case to be “dismissed” or whatever the legal term is for never happened.

I don’t know how or if this will impact my record but I’d prefer a clean record.

Thank you for any help.