When you owe money you can't pay, creditors will sometimes go through the courts to get a legal judgment against you. These judgments can lead to wage garnishments, cutting into your earnings and keeping you from paying your bills. Chapter 7 bankruptcy is designed to help consumers escape overwhelming debt, but did you know it can also provide relief from legal judgments in some cases?

The Craig Black Law Firm regularly works with clients who are facing legal judgments, lawsuits, and more. I can help you find relief from your financial woes. Best of all, when you contact my office, you speak to me personally without having to deal with middlemen. Give me a call at 678-888-1778 or fill out my confidential contact form.

What Is a Legal Judgment?

A legal judgment is a final order issued by a court requiring someone to take an action. In the case of debt, a legal judgment requires a debtor to pay a creditor, debt collector, or company. Judgments may be issued for debts like:

• Medical bills
• Unpaid credit cards
• Personal loans
• Broken leases

A creditor typically petitions the court for a judgment after exhausting all other measures to collect on the debt. Once the creditor has a judgment against you, that creditor can have your wages or bank account funds garnished or place a lien on your property.

How Chapter 7 Bankruptcy Helps

When you file for Chapter 7 bankruptcy, you're asking the court to wipe out most of your debts. The court then issues something called an automatic stay that keeps creditors from contacting you. If the debt behind the judgment is eligible for discharge, the judgment may also be eliminated. That means creditors can no longer collect on it, even if a court order originally said they could.

What types of debt are dischargeable in Chapter 7? Here's a brief but not all-inclusive list.

• Credit cards
• Medical bills
• Old utility bills
• Personal loans
• Car repossession balances

Unfortunately, some debts can't be discharged in Chapter 7, which means your judgments will likely remain in place. They include some tax-related debts, judgments for child or spousal support, most student loans, and debts from fraud.

How the Craig Black Law Firm Can Help

The Craig Black Law Firm knows how disruptive financial struggles can be. That's why I craft a personalized approach to each case, working with clients to make sure we come up with a resolution that works for them. In the case of legal judgments, Chapter 7 can help, but it's important to take a close look at your debts and ensure that the automatic stay will apply to your debt.

Need help with your bankruptcy questions? Pick up the phone and call 678-888-1778 to speak with me personally. You can also fill out this confidential contact form with a few details about your situation, and I'll reach out.