Legal

Ask a Lawyer and Get Answers to Your Legal Questions

Ask a Lawyer,
Get an Answer ASAP!

Legal

I have a house that the lender filed foreclosure papers on

Customer Question
in October 2015. I...
I have a house that the lender filed foreclosure papers on in October 2015. I paid the balance off in full a couple of weeks later and they filed a Voluntary Dismissal. They also sent me the filed/recorded Satisfaction of Mortgage. Should this be showing as a foreclosure on my credit since it was actually dismissed and I paid in full?
JA: Since laws vary from place to place, what state is this in? And has any paperwork been filed?
Customer: North Carolina. The lenders attorney filed the Voluntary Dismissal. I also have the Satisfaction of Mortgage filed with the Register of Deeds in the county in which I live.
JA: Has anything been filed or reported?
Customer: Such as?
JA: Anything else you want the lawyer to know before I connect you?
Customer: No, we are just trying to purchase a new home and I was wondering if it should show as Foreclosure on my credit report since it was dismissed in court, paid in full, and I have the house completely free and clear. No liens, no short sale, nothing like that.
Submitted: 5 months ago.Category: Legal
Show More
Show Less
Ask Your Own Legal Question
Answered in 3 minutes by:
6/16/2017
Lawyer: Law Educator, Esq., Attorney replied 5 months ago
Law Educator, Esq.
Category: Legal
Satisfied Customers: 119,553
Experience: JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
Verified
Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.
No, if the foreclosure was dismissed and you have the documentation, then you need to send copies along with a letter to the each bureau reporting the foreclosure that you are disputing their report as invalid and that the foreclosure was dismissed and the loan was satisfied and ask them to correct their records pursuant to the Fair Credit Reporting Act and tell them if they refuse you would have to pursue action under the FCRA and seek damages, plus attorney's fees as well as reporting them to the Federal Trade Commission for inaccurate reporting.
Please do not forget to leave positive feedback by clicking on the 5 stars at the top of your page, as the experts are not employees of the site and get no credit for spending time with customers unless they leave positive feedback. Thank you.
Ask Your Own Legal Question
Ask Law Educator, Esq. Your Own Question
Law Educator, Esq.
Law Educator, Esq.
Law Educator, Esq., Attorney
Category: Legal
Satisfied Customers: 119,553
119,553 Satisfied Customers
Experience: JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Law Educator, Esq. is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it.

LeeMichigan

< Previous | Next >

Meet the Experts:

Tina

Tina

Lawyer

8,775 satisfied customers

JD, BBA Over 25 years legal and business experience.

Ely

Ely

Counselor at Law

24,218 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

INFOLAWYER

INFOLAWYER

Attorney

20,218 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

119,553 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo J. Senmartin, Esq.

Guillermo J. Senmartin, Esq.

Attorney

287 satisfied customers

7+ years of experience handling various legal matters.

< Previous | Next >

Related Legal Questions
I bought a foreclosure property..There is a double wide..Did
I bought a foreclosure property..There is a double wide..Did I purchase just the land or both..Foreclosure ad does not specify except,it does mention any fixture..The land appraises @ $6500 & I pd jus… read more
Barrister
Barrister
Attorney/Landlord/Realtor
Doctoral Degree
34,637 satisfied customers
On my credit report shows Midwest Recovery Systems VIP LOAN
on my credit report shows Midwest Recovery Systems VIP LOAN SHOP … read more
Phillips Esq.
Phillips Esq.
Attorney
Juris Doctor
17,992 satisfied customers
I have a relative who had a property that was in foreclosure
I have a relative who had a property that was in foreclosure and attempting mediation but then he passed away. The foreclosure continued and then it was dismissed due to something with the note. Two y… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
5,946 satisfied customers
Child support placed a negative on my credit report. My
Child support placed a negative mark on my credit report. My child support modification order was granted Feb 2017, deleting all arrears and changing the monthly child support in accordance to the Mic… read more
Michael Bradley
Michael Bradley
JD
1,131 satisfied customers
I freeze and unfreeze my credit report online is it
I freeze and unfreeze my credit report online is it immediate or does it actually take time after ?… read more
Ray
Ray
Lawyer
Doctoral Degree
30,227 satisfied customers
I was contacted by a debt collector regarding a payday loan.
I was contacted by a debt collector regarding a payday loan. The letter says that due to the severe delinquency of the payday advance that I had legal action (filing a lawsuit) would be now pursued an… read more
TaxAttorneytoHelp
TaxAttorneytoHelp
Owner
Doctoral Degree
2,542 satisfied customers
A former employee of a small commercial loan brokerage
A former employee of a small commercial loan brokerage terminated his relationship with company over 7-years ago before an earned commission was paid to the brokerage. The commission was not paid at l… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
5,946 satisfied customers
Maryland bankruptcy on credit report. Maryland, yes
Maryland bankruptcy on credit report JA: What state are you in? And has anything been officially filed? Customer: Maryland, yes JA: Has anything been filed in civil court? If so, what? Customer: No JA… read more
Michael Bradley
Michael Bradley
JD
1,131 satisfied customers
What information is on a credit report? If somebody always
What information is on a credit report? If somebody always pay their phone bill and health insurance bill on time each month, is that likely to be listed on their credit report? Or are only bills they… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
5,946 satisfied customers
I recently discovered on a credit report that a previous
I recently discovered on a credit report that a previous judgement (default for credit card debt) was not handled properly by my attorney a few years ago. Now I am trying to buy a house and need to kn… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,218 satisfied customers
I had a annual visit with my banker. He pulls credit report
I had a annual visit with my banker. He pulls credit report etc.He asked me why I applied for a loan at Cxx bank. I said what. He shows me the AR. Account reviewMy oldest sister works at that bank I h… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
5,946 satisfied customers
Is it illegal to pull a credit report on an individual
Is it illegal to pull a credit report on an individual without their consent/permission/knowledge? … read more
Attyadvisor
Attyadvisor
Doctoral Degree
6,888 satisfied customers
I check my credit report on annual credit report .com. I
I check my credit report on annual credit report .com . I have several identiy breaches upon the report! I have some serious concerns. A address I donot recognize someaccounts that donot belong to me … read more
Attyadvisor
Attyadvisor
Doctoral Degree
6,888 satisfied customers
Is it legal to pull a customer's credit reports to have
Is it legal to pull a customer's credit reports to have their credit repaired by a credit restoration business ?… read more
Ely
Ely
Counselor at Law
Juris Doctor
24,218 satisfied customers
I HAVE AN EXCELLENT CREDIT REPORT/S MY USAGE IS 24% WHICH IS
I HAVE AN EXCELLENT CREDIT REPORT/S MY USAGE IS 24% WHICH IS 30% I HAVE A PERFECT PAYMENT HISTORY ANOTHER 30% ALL NEGATIVE ITEMS HAVE BEEN REMOVED EXCEPT ONE THROUGH CREDIT REPAIR.COM FOR AT LEAST TEN… read more
Michael Bradley
Michael Bradley
JD
1,131 satisfied customers
I have a voluntary repo on my credit report from 2012. The
I have a voluntary repo on my credit report from 2012. The account shows open and delinquent for the amount of $6,400. I pulled a crafzx report for the vehicle in question and found that the car was s… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
5,946 satisfied customers
I'm filing for Chapter 13 bankruptcy. My credit report has a
I'm filing for Chapter 13 bankruptcy. My credit report has a credit card on it that is my father's and he has me on the account as an authorized user in case of emergencies. The credit card company ha… read more
Ray
Ray
Lawyer
Doctoral Degree
30,227 satisfied customers
Saw on my credit report that there is a tax lien..want the
saw on my credit report that there is a tax lien..want the info for this … read more
Gerald, Esq
Gerald, Esq
Juris Doctor
3,036 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x