Can a creditor that filed a civil judgement against me stop a chapter 13 from being approved for discharge? 7 Answers as of April 12, 2016

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Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
It depends. Your plan has to be "feasible" to be confirmed, so it depends on the amount of the judgment and/or whether or not it is secured. A lawyer should look at this.
Answer Applies to: California
Replied: 4/12/2016
GARCIA & GONZALES, P.C.
GARCIA & GONZALES, P.C. | Richard N. Gonzales
Not unless the creditor can allege fraud or some other dishonest conduct on your part. Hard to prove generally.
Answer Applies to: Colorado
Replied: 4/11/2016
A Fresh Start
A Fresh Start | Dorothy G Bunce
Timing is everything. If a creditor acts in time, it can prevent your plan from being confirmed. But once your plan is confirmed, there would have to be extraordinary reasons for the creditor to upset the confirmation order to deny the discharge after the plan payments are completed.
Answer Applies to: Nevada
Replied: 4/11/2016
Richard B. Jacobson & Associates, LLC | Richard B. Jacobson
Generally not. If you listed the judgment properly on your schedule F, and also on the statement of financial affairs, then the underlying debt should be discharged. In some states, Like Wisconsin, you can also file the right application in state court and the judgment lien will be deemed satisfied. Don't forget this important step.
Answer Applies to: Wisconsin
Replied: 4/11/2016
Ronald K. Nims LLC | Ronald K. Nims
The purpose of bankruptcy is to protect you from your creditors. Generally, discharges are denied where the debtor is caught committing perjury. So, unless you committed fraud to borrow the money, your creditor probably can't prevent you from receiving a discharge.
Answer Applies to: Ohio
Replied: 4/11/2016
    Law Office of Michael Johnson
    Law Office of Michael Johnson | Michael Johnson
    Depends on the judgment amount and what the judgment is from. There is more info that is needed to determine if a creditor can object. You should consult with an experienced Bankruptcy Attorney.
    Answer Applies to: Florida
    Replied: 4/11/2016
    Garner Law Office
    Garner Law Office | Daniel Garner
    Typically that's not possible, but I would need to ask quite a few more questions to answer definitively because there are many reasons a creditor could object.
    Answer Applies to: Oregon
    Replied: 4/11/2016
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