If you have a debt that has not been paid for a significant amount of time, it is likely that your creditor will go to court and try to obtain a judgment against you. With a judgment in hand, the creditor can use various methods to collect on the debt. Typically, you will receive many harassing phone calls and be subjected to other collection tactics that cause you a great deal of stress.
At the Law Offices of Michael H. Johnson, P.A., we help people eliminate judgments and stop creditor harassment by filing bankruptcy. A judgment allows a creditor to put a lien on your property, garnish your wages and take other actions to collect the debt. A properly filed Chapter 7 or Chapter 13 bankruptcy can remove liens and prohibit creditors from pursuing you, at least for a while. With more than 10 years of experience in this field of law, we are ready to help you understand your options for getting rid of debt and related judgments.
To arrange a free initial consultation with a skilled Fort Lauderdale bankruptcy lawyer, please call 954-519-4653. You can also contact our law firm online. We offer flexible payment options, and we answer phones 24 hours a day. Evening, weekend and off-site appointments are available, and our phones are answered 24 hours a day, 7 days a week.
If a creditor is trying to obtain a judgment against you or has already obtained one, you do not simply have to accept it as creditors take your property. We may be able to help you save your home and other assets.
A Chapter 7 filing will eliminate the debt and the judgment immediately, and it will stop the creditor from garnishing your wages. A Chapter 13 debt restructuring will also stop a judgment and allow you to pay back the debt at a lower interest rate. Most likely, you will only be required to pay back a portion of your debt under the Chapter 13 plan. After a certain amount of time, many of your remaining debts will be eliminated.
After you file for bankruptcy protection, creditors will no longer be allowed to harass you. Any pending lawsuits against you will be stayed. At the Law Offices of Michael H. Johnson, P.A., we are prepared to answer all your questions about judgments and creditor harassment. We will give you solid advice tailored to your unique situation.
The Law Offices of Michael H. Johnson, P.A., can help you understand your options if there is an outstanding judgment against you. Call 954-519-4653. You can also contact our law firm online. Your initial consultation is free.
We maintain offices in Fort Lauderdale and West Palm Beach to serve clients throughout South Florida. Evening, weekend and off-site appointments are available. We offer flexible payment options, and we answer phones 24 hours a day.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.