What will happen if I file bankruptcy? 20 Answers as of July 12, 2013

I am a senior citizen with outstanding credit card debt. If I choose to file bankruptcy will judgements and/or lien go away?

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Lakelaw - Loop Bankruptcy
Lakelaw - Loop Bankruptcy | David Leibowitz
Judgments will go away. Liens won't.
Answer Applies to: Illinois
Replied: 6/17/2011
Ellahie & Farooqui LLP
Ellahie & Farooqui LLP | Javed Ellahie
If you have no assets (or have assets less than the allowable amount) then all debts should be wiped out. As to liens they hang around unless you get a court order voiding them. Even while they hang around the creditor cannot collect from you personally and the only assets they have the lien on are the ones you had at the time you filed bankruptcy. Judicial liens can also be voided if the impair your assets.
Answer Applies to: California
Replied: 6/15/2011
Financial Relief Law Center
Financial Relief Law Center | Mark Alonso
Bankruptcy should remove all the judgments and liens for you.
Answer Applies to: California
Replied: 6/15/2011
Indianapolis Bankruptcy Law Office of Eric C. Lewis
Indianapolis Bankruptcy Law Office of Eric C. Lewis | Eric Lewis
Bankruptcy removes MOST types of collection lawsuits/judgments/debts.
Answer Applies to: Indiana
Replied: 6/15/2011
Bankruptcy Law office of Bill Rubendall
Bankruptcy Law office of Bill Rubendall | William M. Rubendall
Judgment liens require a motion to avoid lien under section 522 (f) to be removed in a bankruptcy. Consult an attorney as to the procedure to do this.
Answer Applies to: California
Replied: 6/15/2011
    Saedi Law Group
    Saedi Law Group | Lorena Saedi
    That will depend on the equity you have in your home and if it is completely exempted under your state law exemptions. If it is then yes your judgments can be avoided and removed in your case.
    Answer Applies to: Georgia
    Replied: 6/14/2011
    Bankruptcy Law Office of Robert Weed
    Bankruptcy Law Office of Robert Weed | Robert Weed
    What are the judgments and liens on?
    Answer Applies to: Virginia
    Replied: 7/12/2013
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    Judgments can be discharged. Liens are not removed however, but there is a process to remove a judgment lien if it impairs an exemption, such as a homestead exemption. If there is no exemption the lien interferes with, then the line does not go away.
    Answer Applies to: California
    Replied: 6/14/2011
    The Law Office of Brian Nomi
    The Law Office of Brian Nomi | Brian H. Nomi
    Bankruptcy is a great way to get rid of judgments, liens and garnishments. Contact a qualified lawyer for more advice. Bear in mind that it will hurt your credit.
    Answer Applies to: California
    Replied: 6/14/2011
    The Law Office of Mark J. Markus
    The Law Office of Mark J. Markus | Mark Markus
    Bankruptcy will discharge credit card debts that you owe unless they are incurred through fraud. Liens will remain against whatever property you own unless you take separate steps to remove them through the bankruptcy case. You need to consult with a bankruptcy attorney in your area for more details.
    Answer Applies to: California
    Replied: 6/14/2011
    Carballo Law Offices
    Carballo Law Offices | Tony E. Carballo
    The judgments should go away if the debt is dischargeable (as most are) but the liens, if related to judicial judgments for dischargeable debts, require the filing of a motion to avoid each lien.
    Answer Applies to: California
    Replied: 6/14/2011
    Ursula G. Barrios Law
    Ursula G. Barrios Law | Guillermo Machado
    Yes, if you file bankruptcy your debts will go away for good.
    Answer Applies to: California
    Replied: 6/14/2011
    Law Office of L. Paul Zahn
    Law Office of L. Paul Zahn | Paul Zahn
    Most of your debts should be discharged through bankruptcy. If you are in my area and are looking for an attorney, please contact me for a free consultation.
    Answer Applies to: California
    Replied: 6/14/2011
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    Bankruptcy, if you qualify, eliminates most debts and judgments. I'd have to see your detailed information to tell you any other pros and cons in your case.
    Answer Applies to: Georgia
    Replied: 6/14/2011
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