Legal Ways to Remove a Judgment From Credit Report

A credit report with a judgment is just like a sweet dish with a bitter gourd. In the current era, majority of people are not self-reliant and they need finances to live a live which can fulfill their family needs. A person’s goodwill in terms of finance is judged by his credit score that actually means that how much a lender can rely on him for the reimbursement of money paid. Credit score acts as an evaluator that helps financial institutions to set on limit on a credit in order to make certain that the person is going to pay back the money in the near future.

Despite of earnest efforts, people sometimes fail to pay back the debt and therefore they are reported to credit bureaus. This results in credit report judgment that means that no one will be helping you manage your finances anymore. People have no right to blame a person who is itself caught into it – no one really wants to get involved in all this mess. Also future is uncertain and anything can happen with anyone.

There are certain legal ways to remove a judgment from a credit score report. First of all, you need to do some research and homework before actually getting started. This will require you to find a reliable and reputable law firm to take your case and help you removing a judgment off your credit report. Almost every law firm specializing in credit repair have set patterns which they follow to help clients in order to remove a judgment from credit report. Do not forget to sign an agreement in the beginning that will aid you a lot while stepping forward with your credit repair case.

With the purpose of removing a judgment from your credit score report, you need to check the “the Statute of Limitations on a Judgment” laws in your state. You can get these details from the law firm or just visit state website where all legal details pertaining to different cases are usually available. All you need is to check if the debt on your credit report has exceeded the number of days mentioned in your state law books for SOL. Your second step should be to write a letter to all three credit bureaus (Experian, Transition & Equifax) requesting them to delete a judgment from the credit report since it is lawfully applicable but is not against the Statute of Limitations as per the law.

How Is the LEGAL SYSTEM Dishing Out JUSTICE in Your Town?

Thankfully, most of us will never find out. That is a GOOD thing! However, if YOU are a small business owner it’s something worth knowing before one day you get kicked in the back-side.

I’ve advocated for many years – ALWAYS invest in GOOD legal
counsel; a qualified Accountant [CPA]; and Insurance Agent. The
3 most important advisors to your business success.

A little research in our town opened my eyes BIG and WIDE to
how a small business owner can suddenly find himself/herself in
deep water without a paddle or pot to go.

Just a few of my recent discoveries —

Did you know…. town Sheriff can reach inside your bank account
and take ALL your money? Got a friend in town working for the
Sherriff’s Dept? Ask him/her, they’ll tell you how it happens and you may want to ask about their bonus, too.

It doesn’t make any difference WHO YOU OWE or if checks will
start bouncing – it’s part of our LEGAL justice system – allows the “hand-of-the-law” to take your stuff and leave you screwed.

Another disturbing happening – you can be sued or counter-sued
by someone and never know it until you get a “writ of execution”
from the Sheriff’s department… when they come to sell ALL your property – equipment – and maybe leave you bankrupt as well as good vendors you own money to.

In our town you basically have to hire an Attorney to represent
you in court…. simply a “no option” decision unless you know it’s fruitless when you’re guilty hands-down… probably your town too.

What you may not know – your legal counsel is NOT required to
have malpractice insurance protection when he/she screws up the
process on your behalf. Most have it…. the problem with small
business owners is they look for the CHEAPEST not the BEST.

Courts DO NOT send notices by Registered mail either which means
they have NO proof of delivery, but WHO cares? YOU will. Only
your legal counsel supposedly gets the notices from the Courts and it’s his/her responsibility to advise you or it’s tough break for you when no one told you “courts in session” – and YOU’RE absent.

Have you ever heard of “treble” damages? It’s amazing how this
can kick you into oblivion without a trace. Just know that it does happen to the finest of small business owners.

Did you feel it? The smasher coming when you thought everything
was peachy-le-creme – maybe your best year ever? If YOU don’t
have your 3 Key Advisors yet, hire them soon. It may just
SAVE your CASH as well as your business future.

Can You Be Clean, Green, and Legal?

You may have seen something on the news about Spokane, Washington where there is now a ban on dishwasher detergent made with phosphates. While this may seem to be an isolated case, there are actually several states (including the rest of the state of Washington) that will make dishwashing soap made with phosphates above a very small level illegal in 2010.

What is phosphate anyway and why is it used in dish washing soap?  Phosphate is an inorganic chemical that is a combination of salt and phosphoric acid.  Because it can clean things like hard water stains, and grease, phosphates are used in all kinds of things including dish washing soap. 

Why all the fuss?  Phosphate is a problem when it finds its way to freshwater rivers and lakes.  The phosphate encouraged the growth of algae which depletes the oxygen in these rivers and lakes, killing off fish and other wildlife. 

While there are green alternatives out there, deleting the phosphates from the dish washing soap can leave one unsatisfied with the resulting product-and a lot of dirty dishes.  Plus some of these green alternatives are pricier than their cheaper phosphorous counterparts.  This has caused people to travel outside their state to obtain contraband detergent from other states-which, of course, defeats the purpose of the bank in the first place. 

What should you look for in a green dish washing soap?  Are there green products that work as well?  While there is no direct substitute for phosphorous, but there are other substances that can be used.  How well they will work depends on a number of factors, perhaps the most important being the hardness of the water used for cleaning.

One ingredient that be used is a surfactants.  Surfactants are usually biodegradable and are used to provide cleaning power and increase the ability of the water to separate the soil from the dish. Anionic surfactants work well as detergents, but can be less than effective in hard water. Amphoteric surfactants are used for their foaming power and can often be found with anionic surfactants. There are other substitutes for phosphates, but these can be even more dangerous than the phosphates. They include nitrilotriacatic acid (NTA) and caustic alkaline chemicals (which are particularly dangerous when ingested-as sometimes happens with children).

It may take some trial and error to come up with the phosphate substitute that works best in your water.  It is unlikely that the ban on phosphates is going away, so it is better to start exploring the options now.  In the meantime, the soap manufacturers continue work on the perfect phosphate substitute, but there are some excellent alternatives out there.

California’s Central Valley Is a Petri Dish for Clean Energy

A Fresno patent attorney wanted to know the most pressing legal needs of clean energy companies in the San Joaquin Valley.

Her emailed question made me think. The industry remains in its infancy but likely won’t dawdle in Huggies for long, especially if petroleum prices continue upward as analysts suggest. Oil-price.net still lists $99 barrel on its one-year forecast, and pump prices continue to climb.

In my response to this attorney, I included concerns of solar, energy efficiency and biomass industries.

“Land use is a big deal,” I wrote. “I have heard that because of increased difficulties getting federal land secured, solar companies are moving to get private land deals. So far those are with municipalities and small solar operations, teaming them with wastewater sites (big electrical users) in hinter-ish lands.”

I also mentioned potential interest by Westlands farmers looking for a new source of revenue for farmland due to restrictions on irrigation water. Hundreds of acres of parched and dead grape fields and orchards greet passers by in this incredibly fertile sun-drenched valley.

My co-worker Sandy Nax, who was also my compatriot on the now mothballed Fresno Bee business desk, says the Central Valley is a veritable Petri dish for clean energy with its abundant sun, wind in the Sierra foothills, methane rich dairy waste and bio-plant-rich farmland.

Should a series of studies prove correct — that clean energy will produce scads of jobs nationwide and in California — I believe a large role will be played by those bitten by the powerful American entrepreneurial spirit. I told the patent attorney to keep an eye on start-ups, especially those related to water and biomass.

For instance, the more than $800,000 fine levied on two biomass plants in Merced and Madera counties by the U.S. Environmental Protection Agency recently will likely worry folks in that industry. The Fresno Bee’s Mark Grossi called it “one of the state’s largest air-pollution fines in recent history.”

Biomass defines the process of burning woody material and ag waste to generate electricity. Emissions are a part of that as they are for biogas from methane.

Another sector worth a look, perhaps from an attorney’s perspective, is construction. Net-zero homes, the passive house movement and others will likely become dominant features of the new home market. A part of that is retrofits, something we’re quite familiar with at the San Joaquin Valley Clean Energy Organization.

The practice of auditing buildings and upgrading systems that show inefficiencies is gaining converts and consumer interest. Some big players are starting to do this elsewhere. For instance, the Empire State Building is now a model of efficiency after a massive overhaul.

I was talking about the status of the clean energy movement with Valley hydrogen power expert Gene Johnson, and he said the best bet for change is talking up the subject to our young people. “Education is the key to this whole thing,” he said.

I convinced him to be one of the potential speakers in a program we’re working on with Valley high schools and colleges to prepare students for clean energy and entrepreneurial opportunities. Gene is one of those amazing people who can inspire people after 5 minutes in his presence. For example, he decided he wanted a hydrogen powered car so converted a glossy yellow Chevy SSR to run on the clean burning fuel.

Gene’s pretty optimistic about the future of clean energy. “Once people see food and gas prices going up… they’ll realize self-sufficiency is the best way to deal with it,” he said. Gene’s definition of self-sufficiency is pretty global and refers to the United States being able to produce all its own energy, from multiple sources.

Sandy and I keep up with news, and on the subject of clean energy and energy efficiency it looks pretty good. Our hope is that this industry takes off in the next couple of years. That may be optimistic, but things are definitely happening.

The jolt of federal stimulus money didn’t hurt. But it’s limited. In fact, we’re working on a couple of stimulus grants that sunset in the next 12 months. So we are biased — a bit.

We were heartened by a post on grist.org by Bracken Hendricks and Jorge Madrid with the Center for American Progress in which they called “clean energy technology one of the fastest-growing sectors of the global economy and it is projected to grow to $2.3 trillion by 2020.”

They also said American Recovery and Reinvestment Act (the official name of stimulus money) sustained the nation’s fledgling clean energy industry when it was struggling due to the economy and global competition.

Nice to hear. I put a comment on their post saying as much.