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Creditors: What Are Their Options After Receiving a Default or Court Judgment?

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No matter how successfully times are rolling along, there are almost always money worries, and with creditors there to remind you. Usually, as the income increases, the bills just get bigger. But if you have gone through an unexpectedly difficult time lately, it may be harder than ever to keep track of the bills—not to mention paying them. While experiencing a challenging life event such as unemployment or divorce, you may not only have neglected some bills, but they may have been ignored altogether. Some creditors—and especially credit card companies—are quick to sue. Without a response to the summons and complaint served on you, they may also find it easy to have a judgment granted against you.

After the torrent of calls and the paperwork being sent, and possibly from more than just one creditor, you may not have paid considerable attention to the threats—and especially if paying was out of the question at the time. Finding out that a default judgment has been filed against you may be causing great concern though, leaving you to wonder what surprises are next. At this point, you need strong legal help on your side. Consult with an experienced judgment law firm like Fitzgerald & Campbell, APLC where they can not only answer all your questions, but help you find permanent solutions and set you on a path to financial success.

Once a creditor has a judgment against you, it is in your best interest to fight it or find a solution to keep further collection activities at bay. Unless you have no assets or income, the default judgment could spell trouble ahead. The creditor can make your life much more difficult now, using a variety of tactics as they attempt to see the debt satisfied. The judgment may also be good for up to ten years, with the option to renew it for another ten if it has not been paid off.

One of the most common actions taken by creditors against those with judgments is to set up wage garnishments. This can be embarrassing, as well as financially restricting. The creditor can also put liens on property, levy bank accounts, and more. Rather than leaving yourself at their mercy, consult with a California judgment attorney who can help you by attempting to reverse the judgment in court or by negotiating a settlement.

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Our attorneys have decades of experience in serving clients as they navigate through challenging financial situations. We are here to help! Call us today for a free consultation at (844) 431-3851, or email us at

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