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There's a new credit card judgement for $10,000 on my sister's credit report. She doesn't work.
1.So, the judgement owner can't garnish her wages now, but can they if she gets a job?
2.How would they know she got a job?
3.Can they get into her bank accounts and with draw money?
4.If she marries can the new husband be made legally responsible to pay the judgement?
5.If she just wants to bankrupt this judgement, will it go away for ever?

thanks so much.


The judgment owner won't be able to garnish the wages as long as your sister is without a job. As the credit company must have filed a legal case in the court using a sheriff, all details are put in the court ordered document and your sister will have to notify when she gets a new job.

Taking out money from the bank account is called a bank levy. The judgment owner might be having the name of her bank with the account information. But there are certain debtor laws restricting collections. They cannot take out money from wages, retirement funds, social security and during unemployment.

After marriage, your sister will still be obligated to pay the judgment. If she somehow fails to do so, the credit company might insist her husband to pay the debt.

A bankruptcy can stop most of the judgments. Sometimes, the creditors and the collectors misinform people that bankruptcy cannot be filed on judgments. Except non-dischargeable debts like a student loan or a government overpayment, bankruptcy can erase a debt in spite of the fact that a creditor has a valid judgment.

You can further discuss your options with a qualified bankruptcy attorney. There are some that offer free or minimal fee consultations.

Sub: #1 posted on Sun, 05/14/2006 - 11:55

john john

(Posts: 1231 | Credits: )


Sub: #2 posted on Sun, 05/14/2006 - 13:43


"1.So, the judgement owner can't garnish her wages now, but can they if she gets a job? "

yes. There is a limitation on enforcement of judgments, and it depends on what state she lives in and what court the judgment was obtained in, but it's commonly between ten and twenty years.

"2.How would they know she got a job? "

If she told them. There is a procedure for calling the judgment debtor in before a judge, notary, or other officer to answer questions about the judgment debtor's estate. It's common to demand that the judgment debtor bring along documents, like tax statements, bank statements, cancelled checks, utility bills, etc. If that happens, they'll find out about the job. And the bank accounts.

"3.Can they get into her bank accounts and with draw money? "

Yes, that's also a garnishment. I've discussed the idea of garnishment at some length elsewhere on this website, which you can find using the search function. But remember that the gist of a bank account isn't storage of your cash, it's a loan to the bank. So if A owes money to B and B owes money to C, then the court can order A to pay C directly. In this case, A is the bank (or any other person who owes B money), B is the sister, and C is the judgment creditor.

"4.If she marries can the new husband be made legally responsible to pay the judgement? "

Absolutely not.

"5.If she just wants to bankrupt this judgement, will it go away for ever? "

Yes, but you can't bankrupt a particular judgment. You can do a general assignment for the benefit of creditors, a state law equivalent, or a homestead deed up to the limit allowed in the state, but if a chapter 7 bankruptcy is filed, all of the debts that can be erased will be. And, by the way, once the debt is converted into a judgment, it's no longer "credit card debt", it's a judgment. Chapter 13 on the other hand is a forced payment plan, in which you agree to repay at a particular percentage, and the creditors have to take what they get and be happy with it. Chapter 13, or "personal reorganization" is different from chapter 7 or "bankruptcy" because you have to actually repay the debts, but it only works with people with sufficient assets to cover the plan.

Sub: #3 posted on Mon, 05/15/2006 - 07:28

Virginia-Legal-Defense Virginia-Legal-Defense

(Posts: 260 | Credits: )

Hi. I'm 4 years removed from discharge of Chap 7 and my attorney never filed a motion to remove a judgment lien from my title on my home. It is due to expire next week and could be renewed. This debt was discharged so will renewing the lien be allowed and if so, did my attorney mess up by not filing the proper paperwork 4 years ago? If it is renewed will I be able to get it removed and how do I do it? I'm in AZ and this particular judgment was filed before we filed for BK. Thanks for your help.

Sub: #4 posted on Mon, 05/15/2006 - 14:33


Actually, the person who placed the lien on the residence was required to remove it. A failure to do so will subject that person to a lawsuit by you for any damages you've suffered, as well as a rule to show cause why he should not be held in contempt of the Bankruptcy Court. Renewing a lien on real estate for a debt that has been discharged in bankruptcy would also be fraud on the court in which the lien is filed. Both a renewal and the failure to remove the lien may also be violations of the Fair Debt Collection Practices Act as well as state consumer protection statutes. If I were you, I'd be looking for a way to make that person pay up.

Sub: #5 posted on Mon, 05/15/2006 - 15:38

Virginia-Legal-Defense Virginia-Legal-Defense

(Posts: 260 | Credits: )

Thankyou Virgina, for the information.

Sub: #6 posted on Tue, 05/16/2006 - 12:11


Hi, I live in Virginia and my credit card company took me to the arbitration board and got the award I was very foolish and didn't even know what the heck they were talking about but that's my fault. I owe to all creditors $80k and I do have a job and I do qualify for the chapter 13. My question is, when they turn it over to the courts here in VA and it's entered as a judgement, will a chapter 13 intervine in this. not chapt 7 but chapter 13. can this judgement be entered into a chapter 13 after the judgement is awarded. The thing is, my husband is not on any of this debt. We own a home together jointly and deeded propertly. What are my options

Sub: #7 posted on Sat, 07/22/2006 - 20:30



Check out this thread as it relates to your situation. ent.html

Sub: #8 posted on Mon, 07/24/2006 - 15:40

PassionHunting PassionHunting

(Posts: 512 | Credits: )

spam removed by erz

Sub: #9 posted on Mon, 08/14/2006 - 04:51


Q: (1. So, the judgement owner can't garnish her wages now, but can they if she gets a job?)
A: This is mainly up to the job for garnishing wages. If a job allows the garnishing of wages, the company is basically co-signing this owed debt. Your sister can quit her job and the garnishing stops, but the owed people can now request the job to pay the debt. That is why most jobs do not get involved with garnishing wages.

Q: (2. How would they know she got a job?)
A: That is easy. The can run her ss# through certain databases and get this info. They can get it by her letting them know. They can find out in court. They can maybe find out through the IRS, in which im not to sure they will get any info that way.

Q: (3. Can they get into her bank accounts and with draw money?)
A: Yes, but not after you stop this by calling your bank. Then when they get permission to do so again, you can always close your account. Most times, your account would be frozed until judgement and then permission can be given to your account at the bank. One good thing is, the person owed is not allowed to try and get more than whats in the account.

Q: (4. If she marries can the new husband be made legally responsible to pay the judgement?)
A: NO! The new husband or wife is not responsible for debts owed before being married.

Q: (5. If she just wants to bankrupt this judgement, will it go away for ever?)
A: Yes, it will go away for ever. After around 7 or more years. She can still get credit from anyone, but can also be turned down by all of them also. Alot of companies like people who declared bankruptcy because they already went bankrupt once.

Of course, some of these answers can be wrong because laws change as does the state you are in, from the state your living beside.

Sub: #10 posted on Thu, 08/17/2006 - 00:53

ShawnK ShawnK

(Posts: 12 | Credits: )

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