Question RE: Charged Off Account and Judgement (2 part question)

First I have to say thank you SO much for this forum.  I can really see there is a light at the end of the tunnel, and the tunnel does not look so long anymore.

Two part question:

1.

I have a secured auto loan at my credit union that was charged off in 2006.  I will have the money to pay it next week, and would like to ask for a PFD.  It shows a 0 balance on all 3 CR, and has not gone to CA.  (They never tried to repo the car.)

In 2007 received a letter from CU stating “You have a charged off loan of $XXXX.XX and an expensed off draft balance of #XX.XX.  Please remit these promptly.

Is there any advantage to the CU in me paying this debt since it has already been charged off?

I still plan to pay it, regardless, but want to know if I have any leverage in asking for a PFD.  They were always so nice to me at the CU but I just totally screwed up.

2.  I have a judgement for an exorbitant amount of money.  It was from self employment but was a sole proprietorship.  I believe they had to file with the court for their own accounting purposes.  The judgement has never shown up on any CR.  It is from 2005, and at the time it was doubtful I would ever be able to repay the money, and the creditor knew this.

My situation has changed slightly, and I can see a possibility of being able to repay, though it might take me 20 years to pay it off.

Does anyone know if a person suing you can request that a judgment not be reported?  Or does it have to do with it being self employment?  Again, these people were very kind to me, and I totally screwed up, so would like to somehow make it right.  But am also worried about this HUGE sum showing up on my CR at some point.  I am not at the point where I would feel comfortable contacting the OC and asking them this.

Thanks in advance for any advice!