Surprise, AZ asked in Bankruptcy and Consumer Law for Arizona

Q: Is a debtor 'allowed' to have both an awarded judgement AND still report the debt on my credit report?

I have a debt/collections I am trying to pay off but just found a judgement in county records against me for the same debt by the same company.

The judgment is not appearing on my credit report, only the collection itself. Is it legal to have both a judgement won and filed in a recorders office and then report a collection on my credit at the same time? Can they both exist legally? I am asking because I want to know if I can dispute the collections trade account due to the judgement that is in place, which exists outside of my credit report.

Please note that due to recent changes with how the 3 bureaus report data, judgments and liens, eh public records with the exception of bankruptcies are not reported, thus, the judgement itself is not being reported on my credit report. The judgment was only won and filed through the courts and therefore only available through county record.

Hopefully this wasn't too confusing. Thank you in advance.

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1 Lawyer Answer
Timothy Denison
Timothy Denison
  • Bankruptcy Lawyer
  • Louisville, KY

A: You should notify all three credit bureaus that they are the same debt. It should only be reported as the judgment.

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