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Settling the Default Judgment & Eliminating Further Worry

Woman stressed looking at paper

You probably hate hearing the word delinquency—much less default, lawsuit, or court judgment. Unfortunately, for many consumers in the US today, these terms are afoot all too often. And while we all understand the temptation of credit cards and over-spending. many consumers are forced to overuse credit cards for sheer economic survival. If you are, or have been, in such a situation, most likely this was not the intended use for your credit originally. You may have planned on saving credit cards for a rainy day, perhaps a long vacation or a honeymoon, or just as a rainy day/emergency fund. You may have also been enticed by rewards and points systems, as well as low interest, whether introductory or otherwise.

Whether you were later stricken with an illness or accident, unemployment, or did just get carried away with spending, credit card debt may have reached the point where you could no longer afford to pay it, as you also attempted to prioritize bills like housing, groceries, and prescriptions. This type of scenario usually escalates, and it certainly becomes unpleasant once debt collectors begin calling relentlessly. If you are not able to meet their needs for payment—and the harassment may stretch on for some time—eventually, you may be met with a lawsuit from the creditor or debt collection company. If you do not respond, this may stretch into a judgment that is granted by the court—and quickly, considering there is no communication from you.

While consumers very often do not respond to judgments, there can be a wide range of reasons. If, however, you really didn’t have a valid reason for not responding, it may be impossible to file for a motion to vacate and get rid of the judgment. You may be concerned now about having the judgment satisfied as problems begin to erupt from having it in place. If you have an income, the creditor can indeed garnish your wages as well as take property and other assets, levy bank accounts, and more.

In consulting with a skilled judgment attorney, you may be able to work out a settlement with the creditor—and even though they have the upper hand with a judgment, they may still be glad to receive payment at a discounted sum. Your attorney will be able to prepare all the necessary paperwork to see that you are protected. The judgment will then be marked as satisfied on your credit report—and while it will remain there for seven years, you will not have to worry about serious repercussions like wage garnishment.

Woman stressed looking at paper

Are you concerned about credit card debt, lawsuits, and judgments? If you are finding it difficult to pay your bills and need an experienced debtor rights attorney, contact us at Fitzgerald & Campbell, APLC. We can review your current situation and discuss your options with you, whether that means fighting judgments, negotiating settlements, or other avenues. Our attorneys have decades of experience representing clients in all types of consumer rights matters, including bankruptcy, and we are here to help you!

Call us today for a free consultation at (844) 431-3851, or email us at

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