Is there a legal way to get a civil judgment removed or lowered?

My husband had a car repossessed six years ago and after auction we stilled owed 6000 dollars on the car. Well after a lot of run around and misunderstanding, the bank filed a civil suit against us for the money and then put a judgment on my husband’s credit report. We are now trying to buy a house and we need to get he judgment off of there. We could pay it outright and get it removed within a period of time, but a lot of the run around during the inbetween time seems fishy to me…and I don’t think we owe what they say we do…however, I can’t prove it. So my question: Is there a legal way to get a judgement removed(without paying it) or getting it lowered.

You can pay it outright, and have it changed from outstanding to satisfied. I doubt that the creditor is pulling your leg, at least regarding the time line…there is a process that needs to be done to have a judgement recorded as satisfied. You cannot have it removed from the credit report, unless it is there in error. The creditor is not likely the entity that put the judgement on your credit report…it is probably a completely unrelated company that does legal research.

Court costs and attorney fees are usually added to judgements. Many (if not all states) have provisions which allow a judgement to acrue interest at a set rate. However, there have been creditors who have attempted to illegally inflate the value of a judgement.

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