Will bankruptcy null all of my judgments? How? 14 Answers as of May 28, 2015

They range from credit card debt to car payments. I did not contest them dude many emotional problems that I was unable to overcome. I just want to start all over and not have to worry about it anymore. Can you help me?

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GARCIA & GONZALES, P.C.
GARCIA & GONZALES, P.C. | Richard N. Gonzales
Yes. The judgments will become uncollectable. If you own a home, make sure there are no judgment liens on the home. If there are, you can have the judgment liens removed in the BK process. Meet with an experienced BK lawyer to discuss your options.
Answer Applies to: Colorado
Replied: 5/28/2015
The Law Office of Mark J. Markus
The Law Office of Mark J. Markus | Mark Markus
As long as the judgments weren't for fraud or other types excepted from discharge in bankruptcy, they can be eliminated by filing a bankruptcy case. However, if they have liens against any property you own on the date the bankruptcy case is filed, you may or may not be able to remove the liens. A consultation with an experienced bankruptcy attorney will show you what you can and cannot accomplish.
Answer Applies to: California
Replied: 5/25/2015
Richard B. Jacobson & Associates, LLC | Richard B. Jacobson
In Wisconsin, after a court discharges you from the debts underlying the judgments, you can apply to the courts in which the judgments are docketed to 'satisfy' the judgments, so that they are no longer a lien against your property. Find an experienced bankruptcy lawyer to advise and represent you: it can make these matters move much more smoothly. Good Luck.
Answer Applies to: Wisconsin
Replied: 5/22/2015
Deborah F Bowinski, Attorney & Counselor at Law | Debby Bowinski
A bankruptcy will discharge all you ordinary consumer debt. It will not change the fact that judgments have been obtained against you, although it WILL relieve you of the obligation to pay the underlying debts. If you own real estate or other property with value it is possible that transcripts of judgments have been recorded in order to create liens against your assets. If that is the case, they can usually be voided through bankruptcy but not without separate motions being filed with the court. The best advice is to consult with a bankruptcy lawyer and hire counsel to guide you through the bankruptcy process. Good luck!
Answer Applies to: Colorado
Replied: 5/22/2015
The Law Office of Darren Aronow, PC
The Law Office of Darren Aronow, PC | Darren Aronow
Yes, bankruptcy will take care of all of them and wipe them off and give you a fresh start.
Answer Applies to: New York
Replied: 5/22/2015
    A Fresh Start
    A Fresh Start | Dorothy G Bunce
    Bankruptcy does not null judgments, it discharges debts. A discharge is only an order saying that you personally don't have to pay debts. If the judgment is related to a criminal matter, the creditor may be able to prevent you from eliminating the judgment through a bankruptcy. And if the judgment became a lien on property you own, such as real estate or a vehicle, you may or may not be eligible to remove this lien through bankruptcy via a special proceeding within the bankruptcy. I would need a lot more information to properly assess your situation.
    Answer Applies to: Nevada
    Replied: 5/22/2015
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    As long as you do not own real property, yes. If you own real property some of the judgements could become a lien on the property. If that is the case you need a lawyer to look at them to see if they can be "avoided" (removed as a lien).
    Answer Applies to: California
    Replied: 5/22/2015
    Patrick W. Currin, Attorney at Law | Patrick Currin
    Yes, bankruptcy will erase all of this sort of debt.
    Answer Applies to: California
    Replied: 5/22/2015
    Charles Schneider, P.C.
    Charles Schneider, P.C. | Charles J. Schneider
    Bankruptcy will discharge (forgive) most debts.
    Answer Applies to: Michigan
    Replied: 5/22/2015
    Ronald K. Nims LLC | Ronald K. Nims
    All the problems you've described will be discharged by a bankruptcy. That means you no longer owe these debts and the creditors are not allowed to harass you about them.
    Answer Applies to: Ohio
    Replied: 5/22/2015
    Law Offices of James Wingfield
    Law Offices of James Wingfield | James Wingfield
    A bankruptcy discharge will indeed dispose of most judgments, rendering them uncollectible. There are some exceptions, such as judgments stemming from non-dischargeable debts, such as student loans, or domestic support obligations. However, most debts, such as those stemming from credit cards, deficiencies owed on auto loans, and medical debts will be discharged whether the debts have been reduced to a judgment or not. Any creditor that attempts to collect in any way on debts that have been discharged in bankruptcy even if they have a judgment from a state or Federal Court is in violation of a Federal Court order and will be in contempt of the order and subject to sanctions. Moreover, the Massachusetts Consumer Protection Act bars the attempted collection of debts where no right to collect exists. Accordingly, a creditor attempting to collect a discharged debt is in violation of Massachusetts law, leaving the violating creditor potentially open to payment of up to triple the plaintiff's (i.e., the Debtor's) actual damages and the plaintiff's attorneys fees.
    Answer Applies to: Massachusetts
    Replied: 5/22/2015
    Musilli Brennan Associates PLLC
    Musilli Brennan Associates PLLC | John F Brennan
    Is impossible to tell from the information which you have given. Prior to the time to file any bankruptcy you should consult with a bankruptcy practitioner to make sure it is your best option.
    Answer Applies to: Michigan
    Replied: 5/21/2015
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    You question about judgments raises two issues. First, a bankruptcy discharge of a debt voids any judgment entered on that debt. So if a credit card company obtained a judgment, a discharge of your personal liability to the credit card company by a bankruptcy discharge voids the judgment on that debt as well. Second, if you own property, the property may already be subject to a judicial lien created by the judgment. Liens are not automatically removed by filing bankruptcy. However, under certain conditions, a judicial lien can be voided. Even though the personal liability on the debt is discharged, you may or may not be able to remove the judicial lien depending on whether the judicial lien affects your right to an available exemption right and how much the exemption right is impacted by the lien.
    Answer Applies to: California
    Replied: 5/21/2015
    Wink & Wink
    Wink & Wink | Gigi Wink
    Yes, unless any of your judgments fall into the very limited exceptions to a bankruptcy discharge, they will be wiped out. Many people think that once a debt turns into a judgment it is bankruptcy-proof that isn't true. Bankruptcy can offer great relief from credit card judgments, repossession deficiency judgments and many others.
    Answer Applies to: Colorado
    Replied: 5/21/2015
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