We Can Help You
We can help you no matter where you are in the debt collection process. If you have a judgment against you, or are dealing with a different debt related issue, please fill out the form below, call us at 888.668.9071, or use the chat option to speak with one of our local, experienced, debt defense attorneys. Our rates are low and our consultations are free. We make debt relief easy. Check out our reviews to see how we’ve helped many others in your situation. We look forward to hearing from you.
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We Are Here To Help
If you are like many of our past and present clients, you only discovered that a judgment was entered against you because:
We understand that you are probably very stressed and anxious for a solution to your problem. That is why our knowledgeable and experienced attorneys will do everything in their power to help get you back on track as quickly as possible. You have questions and we have answers.
How Did I Get a Judgment Entered Against Me?
In order for a creditor to obtain a judgment, they must first file a lawsuit in the appropriate Court and give you notice of the case so you can fight it if you choose. Sometimes, creditors fail to provide adequate notice of the lawsuit and obtain a judgment by default. Even if a judgment is obtained by default, it has the full force and effect as any other judgment (unless and until it is challenged and vacated).
Why Do Creditors Want Judgments?
Creditors file lawsuits to confirm that you owe a debt and obtain a judgment so you can potentially be forced to repay it.
A judgment allows creditors to try and garnish your wages, freeze your bank accounts and/or place liens on your property. In each scenario, the creditor doesn’t have to deal with you directly to force you to pay.
Additionally, creditors want judgments because they can last up to twenty (20) years and accrue interest until they are repaid in full. From this perspective, a creditor knows that even if you are unable to repay the debt now, you may come into money or property later on in life and the debt will likely be much larger. Thus, a judgment is security for the creditor and a significant burden for you.
Options for Resolving Judgments
If you have a judgment against you in New York, New Jersey or Pennsylvania your options for resolving judgments range from debt settlement (i.e. payment plans or lump sum amounts) to filing motions to vacate the judgment so that you can either defend the lawsuit or throw out the case altogether.
We Look Forward to Helping You
Contact us today at 888.668.9071, use our chat button, or fill out the form below. Our rates are low and our consultations are free. Take the first step towards debt relief and contact us today. We make debt relief easy.