If a creditor or debt collection company has filed a lawsuit and obtained a court judgment against you, the Law Office of Davis & Jones, P.C., is ready to provide the advice you need.
Some judgment debts are dischargeable through bankruptcy. Filing a Chapter 7 case could mean not having to pay what you owe. The matter is more complicated, however, if there is a judgment lien on your property. Our debt relief lawyers are here to help you determine the best way to deal with court judgments so that you can enjoy a brighter financial future.
Discharging Court Judgments
For a court judgment involving unpaid debts – like non-payment of a credit card balance, medical bill or personal loan, for example – filing a Chapter 7 bankruptcy case can be an effective solution.
These types of debts typically qualify for discharge in Chapter 7 bankruptcy. Any judgment that is discharged is erased, meaning that you no longer have any obligation to pay the debt.
If you file for Chapter 7, you won’t be filing for only the judgment debt. All of your other unsecured debts will be included in the bankruptcy, and they’ll go away as well. Once your case reaches completion, you’ll be in a much better financial position.
Schedule a Debt Relief Consultation Today
Bankruptcy may be a great solution to take care of your judgment debts Depending upon your financial circumstances, filing a Chapter 7 or Chapter 13 case may be your best approach to debt relief. At the Law Office of Davis & Jones, P.C., we’ll explore all of the options, evaluate your debt situation and recommend a plan for resetting your finances.
Our attorneys have offered free debt relief consultations since we founded our law firm. We’d be happy to help you secure a fresh financial start. We’ve done exactly that for more than 20,000 Utah residents, guiding each client along to make the process as tress-free as possible.
Don’t let debts and court judgments take over your life – contact our Salt Lake City office and speak with an experienced bankruptcy lawyer
today.
Why Get Help for Court Judgments
While you can file for Chapter 7 bankruptcy on your own, even with a judgment debt, getting legal assistance makes for an easier path to financial freedom. With an experienced bankruptcy lawyer – like the team at the Law Office of Davis & Jones, P.C. – you’ll also have expert advice and peace of mind in knowing that your case will be handled properly.
If you have a judgment lien on your property, the debt will still be discharged in Chapter 7 bankruptcy but the debt may still survive due to the lien filing. Although your personal liability is discharged, the lien is still valid. You may still be able to eliminate the judgment lien based on the Utah bankruptcy exemptions you claim.
Ignoring a court judgment is an option, but going that route is likely to result in wage garnishment and other financial consequences. So, while you certainly don’t have to file for bankruptcy, you should get legal guidance from an expert in debt relief.