what kind of lawyer would i need to talk to about a judgment

by Liliane Reynolds 4 min read

How do you get around a Judgement?

Three Ways to Stop a Creditor from Filing for a Judgement against...
  1. Arrange a Repayment Plan. One option you have for stopping a judgement against you is to speak to the creditor before they file any court documents. ...
  2. Dispute the Debt. ...
  3. File for Bankruptcy.

How do you negotiate a settlement after Judgement?

You have four main options to deal with a default judgment:
  1. Accept the judgment.
  2. Settle the judgment for less.
  3. Challenge the judgment.
  4. Pursue debt relief.

Can Judgements be negotiated?

You might be able to prevent collection of a judgment by negotiating with the creditor or claiming property as exempt. If a creditor sues you and gets a judgment, it has a whole host of collection methods available to get its money from you, including wage attachments, property levies, assignment orders, and more.

How do you remove a Judgement from your credit report?

4 Ways To Remove a Judgment From Your Credit Report
  1. Ask for Court Validation. The information on your credit report must be accurate and verifiable. ...
  2. File an Appeal. ...
  3. Dispute the Judgment with the Credit Bureaus. ...
  4. Pay for It and Wait for It to Come off Your Credit Report.
Mar 3, 2022

How do I not pay a Judgement?

How To Not Pay A Judgement
  1. Attempt to vacate a judgement.
  2. File a claim of exemption.
  3. File for bankruptcy to discharge the debt.
  4. Settle with the judgement creditor.
Jun 28, 2020

What is a reasonable offer to settle a debt?

When you're negotiating with a creditor, try to settle your debt for 50% or less, which is a realistic goal based on creditors' history with debt settlement. If you owe $3,000, shoot for a settlement of up to $1,500.Jun 11, 2021

How do I write a letter to settle a Judgement?

Writing the Settlement Offer Letter

Include your personal contact information, full name, mailing address, and account number. Specify the amount that you can pay, as well as what you expect from the creditor in return. A good starting point for negotiation could be offering around 30% of the amount that you owe.
Nov 30, 2021

What personal property can be seized in a Judgement?

Any property you own can be seized to pay the debt. It doesn't have to be related to the debt. Judgment creditors can only seize property you own.

Is a default judgment a final judgment?

About default judgments

Depending on the nature of your claim, a default judgment can be: A final judgment. This is the court's final decision in a civil case. For example, the other party has to pay you a fixed amount of money, interest on the amount and legal costs.

Can credit repair remove Judgements?

Credit repair companies work with credit reporting agencies on your behalf — removing inaccuracies and disputing negative items from your credit history. Within a couple months you could have your credit score back where it belongs. These firms do charge monthly fees and a set-up fee.Jul 27, 2021

How long do Judgements last?

5 years
A judgment remains on your credit record for 5 years or until it is paid in full or a rescission is granted by the courts. Although not always the case, in general a consumer is listed as defaulting before a credit provider applies for a judgment.

How do underwriters find Judgements?

Judgments and Liens

So the only change here is that during the underwriting process you must now rely on careful documentation review. Specifically, reviews of the declaration section of the application, pay stub deductions, title work, and payments found on bank statement to find evidence of tax liens or judgments.
Nov 12, 2018

What to Look for in a Lawyer

Before looking for an attorney, decide what kind you need. Common fields include:

Find Free and Low-Cost Legal Help

These programs offer a variety of ways to get legal aid. Some limit their services to people with low incomes.

Find Legal Resources for Specific Groups

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Do you have a question?

Ask a real person any government-related question for free. They'll get you the answer or let you know where to find it.

Mitchell Paul Goldstein

You can appeal, but expect to be required to pay an appeal bond in the amount of the judgment. If you appeal or move to vacate, you need grounds for the judge to rule on. Without grounds, expect to lose. The judgment will remain on your credit report for as long as it is valid, which can be more than 7 years.

Kelly Donovan Jones

Mr freedman has set forth out the basics. To add to his comments, once the creditor (plaintiff) has a judgment they will eventually try to enforce (collect) the judgment via wage/account garnishment.

Jeffrey M. Freedman

Once you fall behind on a debt your credit record is marked for 7 years. Here you fell behind and were sued. There was a court hearing and a judgment was entered against you. This history of these events will most likely appear on your credit record for 7 years. Once the judgment is entered the creditor's attorney will look for assets to satisfy...

Tap Your Network

Ask around among your family, friends, co-workers, and acquaintances to see if they know of any attorneys they could recommend. Personal references can be some of the most reliable references you will find.

Do Some Research

You can run an attorney search at databases such as Avvo and Martindale Hubbell, which provide information such as practice areas, location, disciplinary records, and lawyer reviews.

Questions to Ask Before Hiring a Lawyer

Now that you have some attorney options, it’s time to choose. To get you started, here’s a list of questions to ask an attorney before hiring them:

More Considerations When Hiring a Lawyer

One way to get a feel for an attorney’s practice is to be observant when you go for your first consultation.

ADSOFT

I have a judgement that's 6 yrs old. I need a low cost lawyer aware of consumer law to help me negotiate a settlement and get the judgement off my credit report! I want to settle and speed the payments out over several months.

retmar

Why hire a lawyer? The money you pay him can go towards the judgement. Look at it this way. You can write a letter to the ?? asking them to consider an offer of settlement for complete removal. Make a reasonable offer and ask that all correspondence be in writing. Don't lowball too much. They more than likely will respond with a counter.

ADSOFT

The reason to hire a lawyer is because they might pull a fast one. First of all the original judgement is for $3500, 6 yrs of interest (allowed by law), and penalties, processing fees, blah,

retmar

It could be worth a try. Go to naca.com and look for a lawyer in your area. All those listed are consumer attorneys. When you find one, be sure to have him go over all of the paperwork in hopes of a possible error in the judgement. I didn't realize it was that much. Most of all, they have to remove the negative off of the CR or no pay.

Anonymous

If all you want is an attorney to send your letter offering a settlement, get a prepaidlegal attorney for that. They can do it for around $35 once you sign up (that is the fee in most states). They can send the letter out for you within a couple of days. If you're interested I can give you the number of a friend of mine who sells prepaid legal.

What to do after a court case?

After the case concludes, you will: Hear the final result (called a "court judgment") or receive a "money judgment" by certified mail. Follow the judge's instructions to return personal property, pay fines, be paid a settlement, or other retribution, or file an appeal if you do not like the outcome of the case.

What happens if you win a court case?

If you won the court judgment or money judgment, your battle might not be over yet. Some people will refuse to pay you, or they may need a payment plan. The courts will not help you get the money you won.

Is small claims court simplified?

The court process is simplified on purpose, so people without a legal education can understand what to do. You will likely have a fighting chance in small claims court if your case is straightforward.

What is small claims court?

Small claims court is where anyone can bring a civil case in front of a local judge if it is under a certain amount of money. It provides relatively fast resolution to disputes at a low cost. This option is good for people who cannot afford an attorney or who believe their case is simple. The court process is simplified on purpose, ...

What is required to receive a follow up call from a lawyer?

Fullname is required. A valid email address is required. Receive a follow-up from lawyers after your question is answered. Text Call. A valid phone number is required. Select the best time for you to receive a follow-up call from a lawyer after your question is answered. ( Required field)

What time do you call a lawyer?

Select the best time for you to receive a follow-up call from a lawyer after your question is answered. ( Required field) Morning (8:00AM to 12:00PM) Afternoon (12:00PM to 5:00PM) Evening (5:00PM to 9:00PM) Other. AM PM.

What to do if your child is raped?

If your child was raped, you may be able to file a lawsuit against a party or parties that both Perpetrated the assault, as well as who may have been negligent in allowing that assault to happen. You should discuss your Daughters case with counsel in your jurisdiction to investigate the possibility of bringing a civil action against the perpetrator and/or other culpable... Read More

Can you collect judgments before a lawsuit?

You want to be reasonably certain that you will be able to collect a judgment before you spend a lot of money on a lawsuit. The courts will not help you get the money you win in a court case. Instead, the final judgment is often sent by certified mail and you have to collect the money yourself. 5.

What to expect when taking a case to court?

You can expect to gather evidence, have contact information for yourself and the other party, talk clearly in front of a judge or courtroom of people, and follow any court orders. Even if you do not win, taking your case to court means you must follow whatever the court decides.

How can a dispute be resolved?

From car accidents and injuries to family-related issues to financial disputes, disputes can often be solved through communication and compromise. Not every dispute involves a legal cause of action.

What to think about before sueing a company?

1. Do You Have a Good Case? This may seem obvious, but you need to have a genuine legal claim or " cause of action " in order to have a court support your position .

Is it cheaper to settle a lawsuit?

Lawsuits can be expensive, and recovering your attorneys' fees is often not an option. Ask your lawyer for an estimate of legal fees, and do the math. It may be cheaper to settle. Get legal advice from an attorney you trust and consider the amount of money you could win compared to the amount you'd get in a settlement.

How does a lawsuit affect your life?

A lawsuit may take a lot of time and energy, and can be emotionally draining. Remember that you might find that you have less time and energy to devote to your work, business, family, and social life for the duration of the lawsuit. The case may involve completing demand letters and paperwork, filing at the clerk's office, waiting in court until your turn to speak, and following any of the judge's orders.

What is a small claims court?

Each state's court system has some variation of " small claims court " or "conciliation" court, which only hears disputes in which a certain dollar amount is at issue (usually $5,000 or less).

What to do if your lawyer doubts you?

Tell the Truth. If your lawyer doubts you in the consultation, or doesn't think you have a case, while that may change over time, getting over an initial disbelief is very hard. You have to prove your case. Your attorney is not your witness. They are your advocate - but you are responsible for coming up with proof.

Do lawyers need to take more cases?

Don' t forget that lawyers don't always need to take more cases. Yes, new clients are a great thing, but I don't want clients that will eat all my time and get no where fast. Your tip: keep your communication very simple and to the point.

What happens if you don't pay your lawyer?

If you don't pay your lawyer on the day of trial, or however you have agreed to, then while he or she may be obligated by other ethical duties to do his/her best, they won't be motivated by sympathy for you, and it will show in court.

What is the difference between a lawyer and a client?

Well, truth be told, neither do I. The difference between lawyer and client is that the lawyer expects it to take a long time and understands. The client typically thinks it's unjustified. So, your hard truth is that each case takes time. Be patient.

Can a lawyer take your money?

While lawyers can certainly take your money and your time and we can file a case that will be very hard to win, if you don't care enough about your life to get a contract, the judge is not very likely to be on your side. At least, not automatically. Oral contracts are extremely hard to prove. What are the terms.

What to do if no one can confirm a story is true?

If no one can confirm that the story is true, you will at least need something external, such as a hard copy document, to prove your case. Be prepared.

What to say when a judge can see your boobs?

If the judge can see your boobs, he's not listening to your story. If I can see your boobs, then I know you didn't care enough about yourself to talk to an attorney. Dress like you are going to church. Credibility is one of the most important things in this world - and most important in a courtroom.

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