Judgment Relief Services
If you have a judgment against you, it can lead to serious financial consequences including wage garnishment, bank account levies, and property liens. NationalLaw.us provides comprehensive judgment relief services to help you address existing judgments and regain your financial stability.
Judgment Consequences
- Wage garnishment (up to 25% of your disposable income)
- Bank account levies (freezing and taking money from your accounts)
- Property liens (claims against your real estate)
- Damage to your credit score
- Potential seizure of assets
- Accruing interest on the judgment amount
How Our Judgment Relief Services Can Help You
At NationalLaw.us, our Debt Solutions Law Network specializes in helping clients address and resolve judgments. We provide strategic legal solutions to help you achieve relief from the burdens of a judgment.
- File motions to vacate or set aside judgments when legal grounds exist
- Negotiate settlements to resolve judgments for less than the full amount
- Stop wage garnishments and bank levies resulting from judgments
- Remove judgment liens from your property
- Develop payment plans that fit your budget
- Identify and claim exemptions that protect your assets and income
- Provide guidance on rebuilding your financial stability after judgment resolution
Judgment Relief Options
Vacating Judgments
If the judgment was obtained improperly or if you were never properly served with the lawsuit, we may be able to file a motion to vacate (set aside) the judgment, essentially erasing it.
Judgment Settlements
We can negotiate with judgment creditors to settle for significantly less than the full judgment amount, often achieving settlements of 40-60% of the original judgment.
Payment Plans
If full payment or settlement isn't possible, we can negotiate affordable payment plans with judgment creditors, often with reduced interest rates and manageable monthly payments.
Stopping Garnishments
We can file emergency motions to stop wage garnishments resulting from judgments, helping you keep more of your hard-earned money while we work on resolving the underlying judgment.
Lien Removal
We can help remove judgment liens from your property, allowing you to sell or refinance your home without the judgment interfering with the transaction.
Exemption Claims
We can identify and claim exemptions that protect certain assets and income from judgment enforcement, helping you maintain financial stability while addressing the judgment.
Grounds for Vacating a Judgment
In certain circumstances, we may be able to get your judgment set aside (vacated), which essentially erases the judgment and gives you the opportunity to defend against the underlying lawsuit. Common grounds for vacating a judgment include:
Improper Service
You were never properly served with the lawsuit, violating your right to due process.
Excusable Neglect
You had a valid reason for not responding to the lawsuit, such as illness, disability, or military service.
Fraud or Misconduct
The judgment creditor obtained the judgment through fraudulent means or misconduct.
Void Judgment
The court lacked jurisdiction or the judgment violates the law in some fundamental way.
Satisfaction of Judgment
The judgment has already been paid or satisfied, but not properly recorded as such.
Statute of Limitations
The lawsuit was filed after the statute of limitations had expired.
Don't Let Bad Debt Control Your Financial Future
Judgments won't go away on their own. In fact, in most states, judgments last for 10 years and can often be renewed for additional periods. Without action, a judgment can affect you for decades, accruing interest the entire time.
By working with NationalLaw.us, you'll have experienced attorneys helping you address your judgments and regain your financial freedom.
Contact Us TodayJudgments Successfully Resolved
Frequently Asked Questions
How do I know if there's a judgment against me?
You may discover a judgment when your wages are garnished, your bank account is frozen, or you receive notice of a lien on your property. You can also check court records or your credit report. We can help you research whether judgments exist against you.
How long does a judgment last?
In most states, judgments last for 10 years and can often be renewed for additional periods. Without action, a judgment can affect you for decades, accruing interest the entire time.
Can I settle a judgment for less than the full amount?
Yes, in many cases, we can negotiate a settlement for significantly less than the full judgment amount. Creditors are often willing to accept a lump sum payment for a fraction of the judgment amount, with the remainder forgiven.
Is there a time limit for vacating a judgment?
Yes, there are strict time limits for filing a motion to set aside a judgment, which vary by state and the grounds for vacating. In some cases, you may have as little as 30 days, while in others, you may have up to a year or more. It's important to act quickly once you discover a judgment against you.
Can bankruptcy help with judgments?
Yes, bankruptcy can discharge many types of judgment debts and stop collection activities. However, this is a serious step with long-term consequences. We can discuss whether bankruptcy is appropriate for your situation or if other judgment relief options would be better.