Debt Collection after a judgement of property lien.

by Brian
(Riverside CA)

An auto loan went to collections, then to law office. The judgment was a lien on my home. This was 3 months ago. Now they are calling to get the money. They are threatening wage garnishment for a $9000 judgment. The calls are constant and demeaning. Can they go after me though the judgment already took place?

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Oct 21, 2009
Collection of judgments
by: Gerri

Brian,

After a creditor obtains a judgment, the next step is to try to collect on that judgment. Simply placing a lien on the property does not necessarily mean they have to wait until you sell your property to collect.

Your state's laws govern what they can do to do collect on the judgment. In some states, remedies may include garnishing wages. I urge you to consult with a bankruptcy attorney who can tell you what creditors can and cannot do to collect from you. You can get a free consultation with a bankruptcy attorney here. Ask the attorney what your options are if you cannot afford to pay the judgment right now. He or she will explain how bankruptcy may help, but can also answer your other questions about the collection process.

We hope you find a solution that works for you.



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