Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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If there is no judgment, then nothing is listed on your credit report. But if the creditor reported you, then it will remain on your record for 7 years from date of debt owed unless the creditor withdraws the report, or you are able to go to court and remove it (if you can prove that the report is false or fraudulent in nature, for example).
You can retain a collections attorney. Most smaller firms do collections defense, which is the primary focus for you. Many such attorneys were at one point collections attorneys for the plaintiff so they are aware of both sides and can help you assist as far as negotiation or outright defense. To find such attorneys locally to you I would suggest browsing the listings at www.avvo.com as there you can search by fees, location, experience, and expertise, and evaluate past client and peer testimonials.
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