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WAKAN1031

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if there is judgement against me in 2007 can creditors still collect debt in 2014?
it has been more than 7 years since the Judgement, can creditor still collect the debt even though statue of limitation is 6 years in NJ

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The judgement should drop off the credit report 7 years after the date it was entered.  Your possible salvation is knowing the "date of last activity" (usually last payment) and calculating the statute of limitations from that.  You can find that out by going to annualcreditreport.com and getting copies of all three credit reports.  Read them over very carefully and file disputes on all errors with the credit bureau reporting same.  The date the debt is due to fall off your credit report is also on there as will be the date of the judgement.  If the SOL expired before the judgement was entered, the debt is uncollectable on that basis.  If that didn't happen, you may have to see if you can arrange a pay for delete settlement. 
 

So, to find out how that works, too, please read the articles on this site.  Learning about credit and how to improve yours is what this site is all about. 

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