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No one can garnish anything unless they sue you first and win a judgment. If the statute of limitations has expired on the debt, then you would have an affirmative defense in court should you be sued. The SOL period depends on state law. A 10 year old debt, however, should NOT be on your credit reports and can not be reinserted.

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Q: Can a third party creditor garnish wages for a foreclosure on a home loan that is over 10 years old and has already been removed from your credit report?
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Related questions

How long does a foreclosure initiated stay on your credit?

Foreclosures remain on your report for 7 years. It is difficult to get a foreclosure removed.


Can you pay a debt to collector after a judgment?

You can pay the judgement, which will pay the creditor. Or, you can request to pay the creditor directly and negotiate for the judgement to be vacated (removed).


When is a charge off removed?

A charge off will stay on your credit report for 7 years unless removed by the original creditor or the credit bureaus. You can dispute a charge off with the credit bureaus and they must verify it with the original creditor with in 30 days or it must be removed from your credit report.


Can you get a foreclosure off your credit report?

A foreclosure will be expunged from a person's credit report after seven years have expired from the time the foreclosure was reported. Valid information on a credit report cannot be removed until the required time limit for reportage has expired.


Can you go to jail for removing appliances from a foreclosure?

Yes. Some appliances are not to be removed even by the owner.


Can you pay an original creditor after the debt is sold to a collector?

No, the collection agency is now the rightful owner of the debt in question and the original creditor has removed the account from their books.


When your house is in foreclosure when do you have to move?

When the property is sold at the foreclosure sale and the deed is made public record, the property is no longer yours and you must leave immediately. If you do not leave, the new owner can have you removed.


In a foreclosure can they take personal property?

You must remove your personal property prior to the foreclosure sale. Once the property has been transferred you have no right to enter. Your property will be removed by a team of professionals and dumped.


How do you remove charged off from your report?

Only the original creditor or the credit bureaus can remove a charge off from a credit report. You can negotiate to have them removed with the original creditor if they will let you. You can also dispute it to the credit bureaus and they will have 30 days to verify the listing or it must be removed from your credit report.


How can a person get a past delinquent pay off a credit report when it was dismissed because of bankruptcy?

Really, the only way to have it removed is to dispute it with the credit bureau reporting it. The credit bureau will then contact the creditor for verification. If the creditor can't verify the account, it must be removed immediately. If the creditor can verify the account, your choices are limited to disputing it again and/or just waiting for 10 years for the account to come off of your report.


When your house goes into foreclosures how soon do you have to move out?

You must have your possessions removed prior to the foreclosure sale. Once the property is sold you have no right to be there.


How do you get a creditor removed from your credit report that was listed in the bankruptcy two years ago?

If the debt was discharged in the BK the entry for the creditor should read as such. The entry itself will not be expunged until the required 7 years has expired.