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St Louis Bankruptcy: Can I Get Rid Of A Judgement Against Me When I File A Bankruptcy?

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Yes, you can. In fact, I have many clients who come in to see me for a consultation because they have recently been sued by a creditor, and they want to get it taken care of through their bankruptcy. This is one of the nice benefits of filing for bankruptcy in St Louis.

If you fall behind on your debts, the creditor will end up calling you non-stop and harass you about making on time payments. But if you are unable to make any more payments, then eventually the creditor (or the collection agency that they pass the debt off to) will sue you under a breach of contract theory.

Once the lawsuit is filed, they must serve you with a summons. A summons is basically a large document that gives you all the information you need about the case filed against you (the date of the initial hearing, the address of the court, what type of case it is, etc.).

If you do not show up to the initial court date, then the creditor will get a Default Judgement against you. With a Default Judgement in hand, the creditor can do things like garnish your wage, levy your bank accounts, or attach a lien to your house.

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But if you file a St Louis bankruptcy, then all activity on the lawsuit comes to a complete and total halt. Once the petition is filed with the Bankruptcy Court, the creditor will no longer be able to execute a wage garnishment, keep a bank freeze in place, demand money from you (by way of a letter or phone call), or any other activity. And the underlying debt (i.e. the amount of money that you owe to the creditor that caused all the activity in the first place) will likely be discharged by the court (i.e. knocked out forever).

This is why the bankruptcy process is described as a “fresh start / clean slate”. It is a chance to wipe the slate clean, start fresh, and rebuild your financial life (like for instance, getting your credit score back up to what it needs to be). And this is exactly why you should meet with an experienced St Louis bankruptcy lawyer!

The affordable St. Louis bankruptcy attorneys at Brinkman & Alter, LLC have been saving and protecting people’s assets for years. Our goal is to make sure that you keep the assets and property you want, discharge the debts that you want to get rid of, and do it all at an affordable cost to you. All phone conversations and office consultations are free of charge.

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