I lost a civil lawsuit about a year ago, and received a five-figure judgment against me at that time.
One year later, the judgment still does not appear on any of my three credit reports.
When does the creditor send notice of the judgment to the credit bureaus? Is it required that the creditor do this?
I have been summoned to a debtor's exam by a different attorney than the firm used in the original lawsuit. Is it possible that the judgment will appear on credit reports at this time (as creditor is only now attempting to collect)?
This was over a personal matter between two individuals, not involving any company.
It was a complicated case (file is four inches thick), took nearly a year, and the plaintiff's attorney soon left the firm after the judgment decision. Because of this, I am wondering if the absence of judgment on the credit reports could be an oversight or result of the lawyer's departure from the firm before filing.
I found mentions on other boards of missing judgment info on credit reports. Also one comment about believing credit reporting being involuntary.
Anybody know, I'd appreciate it.