How do you remove liens and judgments from your credit report after bankruptcy? 14 Answers as of July 25, 2013

How do you remove liens and judgments from your credit report after bankruptcy?

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Kazmi & Sakata
Kazmi & Sakata | Harun Kazmi
You cannot remove a judgment from your credit report even after filing bankruptcy. The judgment will remain on your credit for seven years after the judgment was entered against you. To remove a lien after bankruptcy, you need to file a motion to void judgment lien with the bankruptcy court. The court will then issue an order to remove the lien. Our office provides this service, even if you filed bankruptcy with another firm.
Answer Applies to: California
Replied: 7/25/2013
Financial Relief Law Center
Financial Relief Law Center | Mark Alonso
Bankruptcy removes your personal liability on those liens/judgments, however, you need to make sure that your lien was actually removed from whatever property it was attached to. Generally speaking in a ch. 7 bankruptcy, only non-consensual liens can be removed from the property. For example, a lender placed judgment lien against your home for not paying one of your credit cards is type of lien that can be removed in a ch. 7 bankruptcy, but you must ensure that you can "avoid the lien", otherwise, only your personal liability on the account may be removed. As far as your credit report goes, all negative reporting stays on your report for approximately 7 years, and bankruptcy will stay on your credit report approximately 7-10 years. Unless you file disputes with the credit bureaus or retain the services of a credit repair agency, this will generally stay on your credit report, even if there is a subsequent bankruptcy filed (which most of the time takes care of the judgments). If a lien is removed or a judgment discharged and it is not updated, you can write to the credit bureaus asking them to update their records.
Answer Applies to: California
Replied: 8/1/2011
Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
The judgement liens still exist unless you took steps to remove them in your bankruptcy case. If there is an error in your credit report you need to file a complaint with the credit reporting agencies.
Answer Applies to: California
Replied: 8/1/2011
Eric J. Benzer, Attorney at Law
Eric J. Benzer, Attorney at Law | Eric Benzer
Hire attorney
Answer Applies to: Maryland
Replied: 7/30/2011
Lewis Adams and Associates
Lewis Adams and Associates | Lewis P. Adams
After bankruptcy, you can dispute inaccurate information on your credit report, but correct information is allowed to remain. There are some credit repair agency that advertise that they can remove such derrogatory information from a credit report, but it never seems to be permanent.
Answer Applies to: Utah
Replied: 7/29/2011
    Bankruptcy Law office of Bill Rubendall
    Bankruptcy Law office of Bill Rubendall | William M. Rubendall
    Liens and judgments can sometimes be avoided pursuant to section 522f of the bankruptcy code. This does not change your credit report, however.
    Answer Applies to: California
    Replied: 7/30/2011
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    It sounds like you filed pro se and royally screwed up. Not all judgments and liens are removed by bankruptcy. Some survive. Even those that can be removed generally require, during the case, appropriate motions. You may want to see a lawyer and see if your mistake can be fixed by reopening a closed case. You will spend more than you would have to do it right to begin with, if it can be fixed.
    Answer Applies to: Georgia
    Replied: 7/29/2011
    Breckenridge and Walton
    Breckenridge and Walton | Alan D. Walton
    You don't, time does.
    Answer Applies to: Michigan
    Replied: 7/29/2011
    Law Office of Maureen O' Malley
    Law Office of Maureen O' Malley | Maureen O'Malley
    Liens remain. Judgments can be removed (in VA) pursuant to statute and a District Court Form. Most trial lawyers need to be convinced they have to do this. See a bankruptcy lawyer for help.
    Answer Applies to: Virginia
    Replied: 7/29/2011
    Colorado Legal Solutions
    Colorado Legal Solutions | Stephen Harkess
    Liens do not show up on your credit report. Judgments are court records and will show up on your credit report regardless of a bankruptcy filing. The Court record would have to be sealed for a judgment to be removed from the public information section of your credit report.
    Answer Applies to: Colorado
    Replied: 7/29/2011
    Law Offices of Daniel Moulton
    Law Offices of Daniel Moulton | Daniel Moulton
    Go to an expert in the field of credit repair.
    Answer Applies to: Illinois
    Replied: 7/29/2011
    Judith A. Runyon, Esq. Attorney at Law
    Judith A. Runyon, Esq. Attorney at Law | Judith A. Runyon
    You don't. A bankruptcy discharge only removes the debt - not the Judgment or lien.
    Answer Applies to: California
    Replied: 7/29/2011
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    Liens are not removed after bankruptcy. Only the obligation to pay those are eliminated and the recorded lien still remains. In certain circumstances a mortgage lien can be stripped in a Chapter 13 case (not Chapter 7) and if a judgment lien impairs the right to a homestead exemption, those may be removed as well. Otherwise, the liens remain.
    Answer Applies to: California
    Replied: 7/29/2011
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