Call LifeBack Law to schedule a free consultation with one of our licensed attorneys. We have offices around Minnesota in St. Paul, St. Cloud, Maple Grove, Eden Prairie, Duluth, Eagan, and Brainerd. Appointments can be done in-person or virtually (phone, Zoom, Skype, or FaceTime) and usually last a half hour to one hour. During the appointment the attorney will get information regarding your situation and then discuss options, including whether a bankruptcy is the right fit for you.
If you decide to file a bankruptcy, the bankruptcy should remove your personal liability on the judgment. Meaning, when you receive your discharge you will not be personally liable on the debt anymore. If it is a civil court judgment for an unsecured creditor you may be able to remove the judgment from your record, as well. We can look into this for you in the 90 day credit repair program we offer.
If you have a judgment where an unsecured creditor is already garnishing wages or doing a bank levy, the bankruptcy filing will stop all collections efforts. Please make sure to notify your attorney right away if the judgment creditor has started involuntary collections.
If you have any questions regarding judgments or filing bankruptcy, visit www.lifebacklaw.com to speak with an attorney. You will be glad you did!