Long Beach Judgment Settlement Attorneys
Helping Clients Resolve Judgments in Long Beach, CA
Did you know that a judgment can be entered against you by a creditor, even if you never appeared in court? In fact, you can have a judgment entered against you, and not know about it, until a creditor decides to enforce that judgment with a bank levy, wage garnishment, or a lien on your property. Even if you were aware of the lawsuit that led to the judgment, you may not have known how to respond when you were served with the lawsuit papers.
Whatever the situation, there is hope. You are not alone in this, and you have options. At Fitzgerald & Campbell, APLC, we have more than 40 years of combined experience helping clients find relief from judgments. We have eliminated $300 million in debt on behalf of our clients. We understand the law, and we know how to help you.
Call (844) 431-3851 or contact us online for a free consultation with our Long Beach judgment settlement lawyers.
What Is a Judgment?
A judgment refers to a formal decision or court order that determines the legal obligation of a debtor to repay a debt. It is typically issued by a court after a lawsuit has been filed by a creditor against a debtor who has failed to repay a debt. The judgment outlines the specific details of the debt, including the amount owed, any interest or fees accrued, and the terms of repayment.
Here are the key elements that a judgment in the context of debt collection/settlement may outline:
- Amount Owed: The judgment specifies the total amount of the debt, which may include the original principal amount, interest, and any applicable fees.
- Interest and Fees: Details regarding any interest that has accrued on the debt and additional fees or charges incurred during the debt collection process.
- Repayment Terms: The judgment outlines the terms under which the debtor is required to repay the debt. This may include a specific payment schedule, deadlines, and methods of payment.
- Court Costs: Any costs associated with the legal proceedings, such as court fees and attorney fees, may be included in the judgment.
- Date of Judgment: The date when the court officially issues the judgment.
The legal consequences of a judgment can vary depending on the laws of the jurisdiction and the specific terms outlined in the judgment.
Here are some common legal consequences associated with a judgment:
- Wage Garnishment: A creditor may seek to garnish the debtor's wages, which involves deducting a portion of the debtor's salary to repay the debt. The specific rules and limitations on wage garnishment vary by jurisdiction.
- Bank Account Levy: In some cases, a judgment may allow the creditor to levy or freeze the debtor's bank accounts to collect the owed amount. This involves taking money directly from the debtor's bank account to satisfy the debt.
- Property Liens: A judgment may result in the placement of a lien on the debtor's property. This can affect real estate, vehicles, or other valuable assets, potentially preventing the debtor from selling or transferring ownership until the debt is satisfied.
- Asset Seizure: In more severe cases, a judgment may authorize the seizure of the debtor's assets to satisfy the debt. This could include the sale of property or possessions to cover the outstanding amount.
- Credit Report Impact: A judgment can negatively impact the debtor's credit report, affecting their credit score and making it more difficult to obtain credit in the future. The judgment may remain on the credit report for a specified period.
- Interest Accumulation: The judgment may specify ongoing interest accrual on the debt until it is fully paid. This can result in an increasing total owed amount over time.
- Contempt of Court: Failure to comply with the terms of the judgment may lead to a finding of contempt of court. Contempt charges can result in additional fines, penalties, or even imprisonment.
- Restrictions on Future Borrowing: A judgment may restrict the debtor's ability to borrow money in the future until the outstanding debt is resolved.
Real Client Results
Conquering Your Mountain of Debt Since 1992
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$1,043,087.06 settled for $492,701.56 Individual
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Client Saved $27,433.00! UGH, I LLC.
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$535,175.56 was settled for $375,000.00 Madison 65 Co
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Client’s debt was reduced by $314,811.00! National Continental Insurance Company
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$263,963.17 JUDGMENT VACATED! Los Angeles County Superior Court
How Can We Help You Resolve Your Judgments?
At Fitzgerald & Campbell, our experienced team of lawyers can play a crucial role in helping individuals navigate and resolve judgments. Here are several ways in which we can assist:
- Legal Analysis: We conduct a comprehensive review of the judgment, examining its terms, conditions, and the specific details of the debt. This analysis helps us understand the legal implications and options available to our clients.
- Negotiation with Creditors: Our team is skilled in negotiating with creditors on behalf of our clients. We work to reach a settlement or modified repayment plan that is fair and manageable for our clients while satisfying the creditor's requirements.
- Debt Settlement: We explore the possibility of negotiating a reduced settlement amount with creditors. Our goal is to help clients settle their debts for a lower sum than the original judgment, providing financial relief.
- Payment Plans: We work to establish realistic and feasible payment plans that align with our clients' financial capabilities. This can involve negotiating lower monthly payments or extended repayment terms.
- Legal Challenges: If there are legal grounds to challenge the judgment, we explore potential avenues for doing so. This could include disputing the validity of the debt, challenging procedural errors, or seeking to modify the terms through legal means.
- Bankruptcy Guidance: In some cases, bankruptcy may be a viable option. We provide guidance on the implications of bankruptcy, help clients understand their eligibility, and assist with the filing process if it is deemed an appropriate solution.
- Protection of Rights: We advocate for our clients' rights throughout the resolution process, ensuring that they are treated fairly and in accordance with applicable laws. This includes protecting against abusive debt collection practices.
- Communication with Creditors: We handle communications with creditors on behalf of our clients, relieving them of the stress and pressure associated with direct interactions. This can help create a more constructive and manageable negotiation environment.
- Legal Documentation: We prepare and review legal documentation related to the resolution of judgments, including settlement agreements and any modifications to the original terms.
Our team at Fitzgerald & Campbell is dedicated to helping individuals overcome the challenges associated with judgments and debt collection. We tailor our approach to each client's unique situation, working diligently to achieve the best possible outcome. If you are facing a judgment, we are here to provide effective legal assistance and guide you toward a resolution that aligns with your financial goals.
Our Long Beach judgment settlement lawyers are ready to help you. Call (844) 431-3851 or contact us online to get started with a confidential consultation.
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.
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"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.
