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Anaheim Judgment Settlement

Anaheim Judgment Settlement Lawyers

Settle Judgments, Remove Liens, and Get Relief Today

Is a judgment creditor threatening to seize your bank account or garnish your wages? Are you facing a lien on your home or other property? If so, you need to know that you have options.

At Fitzgerald & Campbell, our Anaheim judgment settlement attorneys help clients:

  • Settle judgments for less than what is owed
  • Remove liens from their property
  • Discharge judgments in bankruptcy

We offer free consultations and flexible payment plans. For decades, our lawyers have been well-equipped to help you find the best solution for your situation.

Call (844) 431-3851 or fill out an online contact form to request your consultation today.

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What is a Judgment?

A judgment is a court order that gives a creditor the right to collect a debt. It is the result of a lawsuit filed against you by a creditor or debt collector. If you don’t respond to the lawsuit by the deadline, the court will issue a default judgment in the creditor’s favor.

The judgment outlines several key elements, including:

  • Amount Owed: The judgment specifies the total amount of money that the debtor owes to the creditor. This includes the original debt amount, any interest that may have accrued, and additional fees or costs associated with the legal proceedings.
  • Legal Ruling: The court's decision is a legal ruling on the debtor's liability for the debt. If the court finds in favor of the creditor, it establishes that the debtor is legally obligated to repay the specified amount.
  • Payment Terms: The judgment may include details about how the debt is to be repaid. This could involve a lump-sum payment or a structured repayment plan. The court may set specific terms and deadlines for repayment.
  • Interest and Fees: If applicable, the judgment may outline the interest rate that will continue to accrue on the debt until it is fully repaid. Additional fees or costs incurred during the legal process may also be specified.
  • Enforcement Options: The judgment often grants the creditor certain legal rights to enforce the debt collection. This may include options such as wage garnishment, bank account levies, or placing liens on the debtor's property.

The consequences of non-payment of a debt can vary depending on the type of debt, the creditor's policies, and the legal framework in the relevant jurisdiction.

Here are some common consequences associated with non-payment:

  • Late Fees and Penalties: Creditors often impose late fees and penalties for missed payments. These can add to the total amount owed and increase the financial burden on the debtor.
  • Negative Impact on Credit Score: Non-payment is likely to result in negative reporting to credit bureaus, affecting the debtor's credit score. A lower credit score can make it challenging to obtain credit in the future and may lead to higher interest rates on loans.
  • Collection Calls and Notices: Creditors or third-party collection agencies may initiate collection efforts, including frequent calls, letters, and notices demanding payment. These communications can be stressful and disruptive.
  • Legal Action: If non-payment persists, the creditor may choose to take legal action to recover the debt. This can lead to a court judgment against the debtor, which may include additional legal costs and interest.
  • Wage Garnishment: In some cases, a court judgment may authorize the creditor to garnish the debtor's wages. This involves deducting a portion of the debtor's salary to satisfy the debt.
  • Bank Account Levies: A judgment may allow the creditor to levy or seize funds from the debtor's bank account to settle the debt.
  • Asset Liens: Creditors may place liens on the debtor's property, making it difficult to sell or transfer ownership until the debt is satisfied.
  • Impact on Employment: Certain professions or employers may check an individual's credit history as part of the hiring process. A poor credit history due to non-payment could affect job prospects.
  • Difficulty Obtaining Future Credit: Non-payment can make it challenging for the debtor to qualify for credit in the future, whether for loans, credit cards, or other financial products.

How Can I Settle a Judgment?

If you have been served with a lawsuit or a judgment has been entered against you, it is important to act quickly. The longer you wait, the fewer options you may have.

Here are several approaches you can take to settle a judgment:

  • Pay the Full Amount: You can choose to pay the full amount specified in the judgment. This is a straightforward method to resolve the debt completely. Contact the creditor or the entity holding the judgment to obtain the necessary payment details. Once you make the full payment, ensure that you receive confirmation of the debt being satisfied.
  • Negotiate a Lump Sum Payment: Negotiate with the creditor to settle the debt for a reduced lump sum amount. Creditors may be willing to accept a lower amount to receive immediate payment. Initiate negotiations by contacting the creditor or the collection agency. Clearly state your proposal and explain your financial situation. Be prepared to provide evidence of financial hardship if applicable. If an agreement is reached, obtain the terms in writing before making the payment.
  • Set Up a Payment Plan: If paying a lump sum is not feasible, inquire about setting up a payment plan. This involves making regular, manageable payments over an agreed-upon period. Contact the creditor to discuss the possibility of a payment plan. Provide details about your income, expenses, and how much you can afford to pay each month. If the creditor agrees, ensure that the terms are documented in writing, and adhere to the payment schedule.
  • Dispute the Judgment: If you believe there are valid grounds to dispute the judgment, you can attempt to challenge it in court. This may involve demonstrating errors in the legal process, incorrect information, or other valid reasons. Consult with an attorney to assess the validity of your dispute. If there are grounds for a dispute, file the necessary legal documents and attend any court hearings. If the court rules in your favor, the judgment may be vacated or modified.
  • Seek Legal Advice: Consult with a lawyer specializing in debt collection to explore your options and receive guidance on the best course of action based on your specific circumstances. Share all relevant details with your attorney, including the judgment, your financial situation, and any potential legal defenses. Your lawyer can advise you on the most appropriate strategy and may negotiate with the creditor on your behalf.

Regardless of the approach you choose, it's crucial to communicate openly with the creditor, document any agreements in writing, and fulfill your end of the bargain promptly. Professional advice, especially from a legal professional, can be valuable in navigating the settlement process and protecting your rights.

Real Client Results

Conquering Your Mountain of Debt Since 1992
  • $1,043,087.06 settled for $492,701.56 Individual
  • Client Saved $27,433.00! UGH, I LLC.
  • $535,175.56 was settled for $375,000.00 Madison 65 Co
  • Client’s debt was reduced by $314,811.00! National Continental Insurance Company
  • $263,963.17 JUDGMENT VACATED! Los Angeles County Superior Court

Why Choose Our Judgment Settlement Lawyers in Anaheim?

At Fitzgerald & Campbell, our attorneys are committed to providing the highest level of client service. When you choose us, you can expect:

  • Personalized service: We will take the time to understand your unique situation and develop a strategy that meets your specific needs.
  • Experience and expertise: With over 200 years of combined experience, our lawyers have the skills and knowledge to help you find the best solution for your situation.
  • Flexible payment plans: We offer flexible payment plans to make our services more affordable.
  • Convenient locations: With offices in Santa Ana, Ontario, and San Diego, we are able to serve clients throughout Southern California.

If you have received a summons and complaint or a judgment has been entered against you, it is important to know that you have options. Our Anaheim judgment settlement attorneys can help you understand your rights and develop a strategy to protect your property and your financial future.

Contact us today at (844) 431-3851 to discuss your case with our legal team.

Hear From Our Happy Clients

At Fitzgerald & Campbell, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    "It Was The Right Decision"

    Patricia and Fabiola were both such a great help from the start. It was the right decision to seek legal help when dealing with these debt collectors. The process with Fitzgerald & Campbell was very simple and straightforward, it reduced the stress of my situation greatly for a reasonable price. Highly recommend!

    - C.M.
    "Provided Clarity and Prompt Communication"

    We got involved in a domestication of sister-state judgment (from a vehicle accident in Nevada) that involved a different person with the same name, it was originally served to a different address. Several other attorneys had no clue how to deal with this case, suggesting to get our vehicle insurance involved. Attorney William J. Campbell, Luz Rodriguez and case manager Christina did a great job and provided clarity and prompt communication on how to file a motion to vacate this sister-state judgment. The case is now vacated and dismissed without prejudice. Highly recommended.

    - E.C.
    "Fitzgerald & Campbell is Truly Praiseworthy"

    I was in a difficult and stressful situation. I was sued and served over an old personal loan.
    Fitzgerald & Campbell helped me to settle and lowered the judgment amount in less than a month.
    This firm is outstanding and they care about their clients.
    Thank you, Ms. Patricia Mendez for being so passionate and so helpful about my case.
    Now, am stress free.
    Fitzgerald & Campbell is a truly praiseworthy and highly recommended firm.
    Thank you.

    - E.A.
    "You Are All Amazing"

    Thank you very much, Ma'am for the immediate help.

    You are all amazing!🙏🙏🙏

    - E.A.
    "I Can't Thank Fitzgerald & Campbell Enough"

    I found myself dealing with a judgement and wage garnishment, Fitzgerald & Campbell explained to me what my options were on how to settle and get myself out of this situation. I was supplied and guided on how to fill out proper paperwork and never once had to deal with said creditor myself, Fitzgerald & Campbell did all of the communication between myself and the creditor. I can't thank Fitzgerald & Campbell enough (especially Patricia!) For negotiating a settlement I could pay in full and put this whole ordeal behind me. If you are feeling stranded in a hole with everyone coming at you Fitzgerald & Campbell are there extending a friendly hand to get you out of that hole and back on your feet.

    - S.J.
"I've walked in your shoes! Let me do for you what I learned to do for myself." - Gregory M. Fitzgerald, Managing Partner