Note: Fees do not include court filing costs.

Were You Properly Served?

Many Utahns only discover a judgment when their paycheck is garnished. If you were never served with the original lawsuit, you may be able to Vacate (delete) the judgment entirely.

Under Utah Rule of Civil Procedure 60(b), we can ask a judge to set aside a judgment for reasons like:

• Lack of Service: You didn’t receive the legal summons.

• Mistake or Excusable Neglect: Valid reasons for missing your court date.

• Void Judgments: The court lacked the jurisdiction to rule on the case.

Utah Timing Note: In Utah, motions based on “mistake” or “excusable neglect” must generally be filed within 90 days of the judgment. However, if the judgment is void (due to lack of service), we can often fight it within a “reasonable time.”

• Find the Current Creditor: Debts are often sold multiple times. We track down exactly who owns the Midland Credit Management Inc judgment today.

• Hardship Documentation: We draft a professional hardship letter to persuade the creditor to accept a lower lump-sum payment.

• Aggressive Negotiation: We leverage Utah’s interest rate caps and exemptions to force a fair settlement.

• Draft the Release: We ensure the Satisfaction of Judgment is drafted correctly so it is accepted by Utah County Recorders.

• Record the Results: We file the final release in the correct Utah county to ensure your credit and title are restored.

Midland Credit Management Inc is a debt buyer that purchases defaulted accounts from banks. They often file high-volume lawsuits in Utah Justice Courts, hoping consumers won't show up. When a consumer doesn't answer the lawsuit within the 21-day Utah deadline, a Default Judgment is entered. This judgment grows every day with post-judgment interest and can stay active for up to 8 years (and be renewed for another 8).