Are judgments dischargeable under chapter 7 bankruptcy? 11 Answers as of February 22, 2017

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GARCIA & GONZALES, P.C.
GARCIA & GONZALES, P.C. | Richard N. Gonzales
Yes, regular and/or standard judgments can be discharged. Judgements based on fraud, embezzlement, theft, dishonesty, breach of a fiduciary duties, etc., and criminal fines and restitution judgments may not be dischargeable.
Answer Applies to: Colorado
Replied: 2/22/2017
Stephens Gourley & Bywater | David A. Stephens
Most judgments are dischargable in a chapter 7 bankruptcy. There are some exceptions, such as tax judgments, or judgments arising from driving under the influence.
Answer Applies to: Nevada
Replied: 2/20/2017
A Fresh Start
A Fresh Start | Dorothy G Bunce
As a general rule, yes. But there are a number of exceptions. For example, if the judgment is for a priority debt or other debt not eligible to be discharged, such as a judgment related to any kind of criminal offense, then discharge is unlikely. And discharging the judgment will not, by itself, remove any judgment lien. You need experienced representation rather than a one size fits all online answer.
Answer Applies to: Nevada
Replied: 2/17/2017
Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
Yes, generally so. If it is for something like fraud there might be an issues. Show the judgement to local counsel.
Answer Applies to: California
Replied: 2/17/2017
Ronald K. Nims LLC | Ronald K. Nims
Most civil judgments - car accidents (unless drunk/impaired driving), debt collections, landlord-tenant disputes, contract disputes, etc. are dischargeable under Chapter 7 bankruptcy. The major exceptions are fraud, drunk/impaired driving and some types of taxes. Criminal judgments - fines for traffic tickets and cash penalties for major crimes are not dischargeable.
Answer Applies to: Ohio
Replied: 2/17/2017
    Richard B. Jacobson & Associates, LLC | Richard B. Jacobson
    As usual with legal matters, everything is a bit more complicated than it at first appears. In most states, a properly docketed judgment creates a lien (a kind of security interest) on the real estate the judgment debtor owns or acquires in the next ten years. Bankruptcy discharges the underlying debt, but without more, the lien remains in place. The good people of Wisconsin passed a law about 35 years ago which says that if a debtor discharges the underlying obligation in his/her bankruptcy, then he or she can go through some hoops and ask the state court (remember that bankruptcy is generally a federal matter) to 'satisfy' the lien-which has the effect of wiping it away. Retaining an experienced bankruptcy lawyer is almost always a good investment.
    Answer Applies to: Wisconsin
    Replied: 2/17/2017
    Garner Law Office
    Garner Law Office | Daniel Garner
    Most civil judgments are dischargeable, but criminal fines, restitution, and personal injury related to a DUI are not. You should consult with an attorney if you're not certain.
    Answer Applies to: Oregon
    Replied: 2/17/2017
    Patrick W. Currin, Attorney at Law | Patrick Currin
    Yes, most judgments are discharable. The exceptions would be those which require criminal restitution.
    Answer Applies to: California
    Replied: 2/17/2017
    Bird & VanDyke, Inc.
    Bird & VanDyke, Inc. | David VanDyke
    YES!
    Answer Applies to: California
    Replied: 2/17/2017
    The Law Office of M Grater LLC
    The Law Office of M Grater LLC | Mark O. Grater
    Yes, judgments are dischargeable in Chapter 7.
    Answer Applies to: Connecticut
    Replied: 2/17/2017
    Bunch & Brock, Attorneys-at-Law
    Bunch & Brock, Attorneys-at-Law | W. Thomas Bunch II
    Yes. Just because a creditor gets a judgment doesn't "stop" the bankruptcy from discharging the debt.
    Answer Applies to: Kentucky
    Replied: 2/17/2017
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