What Happens To Judgments?

Many feel that once a debt has been properly sued upon and a judgment against the debtor rendered that it is too far gone to be discharged through bankruptcy. This is simply one of the many pieces of incorrect public information surrounding bankruptcy law. Discharge ability (your ability to get rid of debt) has nothing to do with whether a debt has been reduced to a judgment. Discharge ability always goes to the original nature of the debt. A judgment is simply another means of collection.

Be careful, while most all debts are capable of being sued upon, some are more likely to take this road with your debt than others. Most commonly you will see judgments quickly rendered on medical and apartment debts. Once a judgment is entered against you, then a creditor can begin garnishing your wages seizing property and bank accounts. This means that they could seize up to 25% of your net pay check! Whenever possible, try to file in advance of this so that you do not lose monies that you may be able to save!


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Morse Law, LLC

  • 910 16th Street Mall Ste 1100
    Denver, CO 80202
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