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Good afternoon. Do you know why it was dismissed? I am asking because you shared that there is a judgment and for their to be a judgment, the case could not be dismissed, so I am trying to get a better idea of what happened.
So who sent the letter saying the case was dismissed with prejudice? If the case was dismissed, there should not be a judgment. If there was a judgment, then it means that you were sued and the plaintiff prevailed. if the SOL had run and you had a defense, why did you settle? Also, you said the Judge would have thrown this out, so I am still unclear as to the history. I want to provide you with a proper answer just want to make sure we are on the same page with legal terms and what happened. Thank you.
If they dismissed this case with prejudice, then you should also ask that the judgment be vacated. I say this because the dismissal with prejudice would prevent them from refiling and going after you again. You should ask that they report this to the 3 major credit bureaus, so it can be removed. As I shared, a judgment is entered when you are sued and the plaintiff prevails. If they got a judgment and then you settled for less then the amount owed, there still would be a judgment in place, unless a condition was a dismissal, which is what you need to know and find out, as to why this happened, since you were represented by an attorney.
I just wanted to follow up and see if you had any other questions or needed me to clarify something. I am here to help, so please let me know. Thanks!