Handling Judgments
Stop Them, Remove Them

Attorney Paul Strouse - Eliminate Debt, Restructure Debt

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    Handling Judgments

    If you have an unpaid debt on your record. A creditor can file a lawsuit against in order to achieve a judgment. When a creditor has a judgment against you, it can impede many areas of your life. A judgment can give a creditor the capability to take money out of your bank account, prevent the sale of property until getting paid, garnish your wages or other actions not so pleasant. Filing chapter 7 or chapter 13 bankruptcy can help put you on a path to better financial well-being.

    Say you've got what is called a "bad debt." This means that you are more than 180 days past due on something. Then, your creditor notifies you that it is filing a lawsuit against you in order to obtain a judgment. At this point, you have an option to negotiate the amount with the creditor. However, many people disregard this type of notice and resign themselves to having a judgment on their record. The unfortuante part is that many people overlook the implications to this type of situation. When a judgment is filed, the creditor is allowed to add attorney fees and collection costs to the debt. To make matters worse, the creditor is also allowed to continually add interest to the debt until it is paid.

    Some people think they can dodge the ramifications of such a debt. However, creditors will go to great lengths to collect a debt and have a number of avenues that they can use to achieve their goals. If your debt was from a credit card, you may think that the creditor is limited because it is unsecured. However, a creditor, through the courts, can seek to attach a judgment against property. This, in essence, makes the debt secured. That means if you try to sell a home or car you own, you may not be able to do so until you can prove that the judgment has been cleared. Or, chances are pretty good that your creditor may have bank account information for you either because it may have a copy of a check you have submitted in the past or because of information you may have added on a credit application. If a creditor knows where you bank, it may use a judgment go after money in your account. If that wasn't enough, a creditor can also pursue your wages through a garnishment. See Stopping Garnishments for more information.

    Chapter 7 bankruptcy can help remove judgments from your record and wipe out debts. Chapter 13 bankruptcy can set up a workable plan to pay back your debts and remove judgments from your record.

    Getting judgments off your record are important. They can hurt your credit which results in higher interest rates, if you're able to get credit at all. It also can limit your employability because some employers may restrict your security clearance with a judgment on your record. Additionally, because your credit gets affected, some insurance companies penalize you if you have bad credit so that ends up costing you more for auto, home or other insurance policies.

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    Attorney Paul Strouse
    Over 18 Years Experience In Personal Bankruptcy

    FREE...
    consultation with one of our lawyers BEFORE you are charged for any services.

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    relief from harassing bill collectors and banks through Chapter 7, Chapter 13 or State Action 128.

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    your home, your electricity, your cars.

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    support from your attorney to answer your questions at any time during this process.

    If you've thought that nobody can help you out of your troubles, you are not alone. Call us today for a FREE discussion with one of our attorneys on how we can help you!

    Get a Fresh Start Through Our Wisconsin Bankruptcy Attorneys!
    Milwaukee Bankruptcy Attorney Paul Strouse
    413 North 2nd St., Suite 150
    Milwaukee, WI 53203
    Racine Bankruptcy Lawyer Paul Strouse
    6233 Durand Ave., Suite 102
    Racine, WI 53406

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