Judgments - Remove from Your Credit

By John Cooper

A judgment is also commonly referred to as a default judgment or credit card judgment. This is simply a variation of the same meaning.

You have been found to be legally responsible for a debt. This will happen in a court of law.

The lender went to court and filled a lawsuit against you and won their case. This will give the lender legal grounds to have your wages garnished to repay this debt.

This will cause you credit score to be negatively impacted, it is a very derogatory mark to have on your credit. Judgments can be sought after for any sort of unsecured debt, it is common for collection agencies to seek judgments.

This mark will remain on your credit file for 7 - 10 years. It depends upon what state the case was filled in and what the statutes of limitations are in that state. It is also common for lenders to seek a renewal judgment if the debt has not been repaid at the end of 7 or 10 years.

This can make it impossible to ever get out from under a judgment. However you can have a judgment removed from your credit, sometimes without having to pay the debt.

I recommend you first disputing the judgment with the credit bureaus. This is done by writing a dispute letter in which you explain why the listing is wrong and should be removed.

The bureaus will then hold an investigation. They will try and verify the debt and the amount of the debt with the lender or collection agency.

If the debt is not verified or found to be inaccurate then the bureau must remove the mark from your credit report. Often investigations result in a mark being erased.

However judgments are more often verified, this is because the lender has taken steps to ensure repayment. This usually means you will not be able to remove the mark.

However in some circumstances a judgment is simply wrong. The mark should be removed from your credit report.

This is when I would suggest a credit repair law firm. They can use their knowledge and expertise and if necessary a court of law to prove that this judgment is not correct and not accurate.

Surprisingly you can hire a professional credit repair law firm for reasonable rates. A leader in the industry Lexington Law can be hired for less than $100/month (premier service).

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To learn more about how to remove judgments or for a free sample dispute letter visit us.

Wisconsin Lake Home

By A. Kim

The State of Wisconsin has a total of 15,000 manmade and natural lakes within it. So if you are thinking of buying a Wisconsin Lake home as you will soon discover there are plenty to select from. So much so you may find yourself having problems deciding which one is right for you. However, the first decision you need to make is whether you want a lake home that is right in the heart of everything or one that allows you to get away from it all. In this article we take a look at some of the lakes where Wisconsin lake homes are available for purchase.

Lake Michigan - One of the largest Wisconsin lakes and along it 1,600 miles of shoreline around 12 million people live. The main cities situated on this lake as Green Bay, Appleton and Milwaukee and because so many people live here the prices of properties are very high. On average many of the Wisconsin lake homes here are selling for more than $3 million.

Lake Winnebago - This is the largest freshwater lake in Wisconsin as well as being the third largest in the USA. The main cities are Fond du Lac, Neenah, Menasha and Oshkosh and each of these offer a wide array of properties for sale. Even though the costs of homes on this lake are considerably less than at Lake Michigan you can still expect to pay well over $1 million for some.

Lake Pepin - The properties for sale around this lake shoreline tend to be some of the least expensive you will find today. It is not just one of Wisconsin's smallest lakes (covers only 40 square miles) but is also one of the least deep (maximum depth 18 feet). Because it is a very quiet area the costs of Wisconsin lake homes that come available for sale range from around $80,000 to $300,000.

Lake Pentenwell - This is the second largest lake in Wisconsin and covers a total of 24,000 acres. The shore line is dotted with small towns and villages and a good quality waterfront lake house can cost as much as $260,000.

Lake Chippewa - This Lake is situated in Wisconsin's Northwood's and covers an area of 15,000 acres. The main place where shoreline lake homes can be purchased is the town of Hayward's and prices range from $300,000 to $1.5 million.

Big Green Lake - Situated in Green Lake County, this is the deepest of all the lakes in Wisconsin where it goes down to a depth of 237 feet in some parts. Because the fishing here is so spectacular and there are few Wisconsin lake homes located on its shores the price of property is very high, plus they are highly sought after. The costs of Wisconsin lake homes if you are able to find one for sale here range from $700,000 to $2 million.

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Los Angeles CA Home

By A. Kim

The task of selling a home anywhere in the US and not just in Los Angeles, can prove a very daunting one. The whole process can become very frustrating and this is why people tend to employ the services of a realtor to do it for them, rather than trying to sell their Los Angeles, CA home themselves.

However, if you intend to use the services of a realtor to sell your home then you need to look at the fees they charge. Some charge a flat fee for providing the services required to sell your home whilst others charge a commission instead.

For those who use a realtor who charges a commission fee one needs to be aware that the fees they charge can differ from one realtor to another. But in most cases they tend to charge 5% and this fee is then divided up equally between the selling broker and the listing broker.

But just with any commission based business the level of service that you receive will widely differ. In most cases the more commission you are charged then a much higher level of service will be provided to you as the seller of the property.

When you are looking at adverts for realtors who charge a commission based fee you need to read through the small print carefully. Often although there add may show that you pay them 2.5% commission upon sale of your house this is purely there part of the fee. What you will then discover later on in the ad is that a further 2.5% commission needs to be paid to the listing agent also.

Although most realtors will offer a set commission rate don't be afraid to discuss be afraid to negotiate over these. Sometimes you may not require every service that they offer so you can try to actually negotiate them down on their costs prior to you signing any agreement with them.

Never go with the first realtor you come across, but instead take time out to speak with several and compare what they have to offer when you are thinking of selling your Los Angeles, CA home. As well as helping you to find one that will successfully sell your home for you at a good profit, they will also be someone that you are happy to place your trust in to do so.

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For free tips on selling Los Angeles CA Home. please visit Los Angeles Home, and Los Angeles CA Home