Names and identifying details in this case study have been changed to protect our client’s privacy.

Paul ran a small consultancy. A dispute came up over a workers compensation insurance premium for the business. He disputed the amount from the start, handled it through a solicitor and lost.

He thought that was the end of it. It wasn’t. A judgment for about $1,500 went on his credit file. Paul says he was never served with the court papers, even though he was still working from the same premises the whole time.

Diagram of how this case was resolved: judgment over a premium, never served papers, consent orders signed, set aside same day

What it was doing

Paul only discovered the judgment when he applied for finance and was declined. A judgment is one of the most damaging things that can appear on a credit file, whatever the amount.

What we did

We wrote to the solicitors for the plaintiff, the Workers Compensation Nominal Insurer, setting out Paul’s position and asking whether they would agree to set the judgment aside by consent.

Why it came off

The plaintiff’s solicitors agreed to sign consent orders setting the judgment aside. Once a judgment is set aside, it no longer stands, and it comes off your credit file.

The result

We sent our first letter on 22 March. The plaintiff agreed to the consent orders that same day, 22 March. Paul could go ahead and get his finance.

What this means for you

If you were never properly served, or didn’t know a court case was going ahead, a judgment against you may be open to challenge. Even where the debt is real, getting the other side to consent is often the fastest path. Our credit repair lawyers know how to approach plaintiffs.

This is a past matter. Names and identifying details have been changed to protect our client’s privacy.

Results depend on individual circumstances. Every credit file is different, and a past result doesn’t guarantee the outcome of your matter. This case study is general information, not legal advice.

Don’t spend another month stuck in Credit Prison. Call our credit repair lawyers on 1300 667 218 or book a 15-minute intro call at https://mycralawyers.com.au/15min-credit-repair-intro-call/ . If we think your chances are low, we’ll tell you straight.

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