Judgments: Chapter 7 Bankruptcy Rights to stop Judgment Liens


San Jose Bay Area Bankruptcy Lawyer/Attorney – Oakland Bay Area Bankruptcy Lawyer/Attorney

A judgment lien is a lien obtained as a result of a money judgment and recorded against property such as a house or a car.  A lien that applies to exempt property may be eliminated in bankruptcy.  To avoid a judgment lien, a motion must be filed in addition to the Chapter 7 petition.  Liens related to child and spousal support judgments may not be avoided in chapter 7 bankruptcy.

Many homeowners have found themselves in the position of owing money on a debt which they can not afford, or have been sued by someone and failed to respond to the law suit. This may allow the creditor to obtain a lien through default judgment. The creditor will attempt to collect on their judgment by putting a lien on the homeowner’s property or other assets.

Some creditors will place a lien on one's bank account and freeze the funds in the account, in order to try and make you pay the debt.  In many instances, a judgment lien can be stripped from a property or bank account during the Chapter 7 bankruptcy and debt relief process and made to be dischargeable. This is possible despite the fact that it is technically considered a secured debt since it is now secured against debtor’s property or assets. Bankruptcy courts in San Jose Northern California frequently allow debtors to eliminate or reduce the amount of judgment liens.

If you are having financial difficulty, lost your job or have high medical bills and want to start fresh, you need to hire an experienced attorney and lawyer at the bankruptcy debt relief law office of Geoffrey Nwosu representing clients in San Jose Santa Clara County, Alameda County, San Mateo County and San Francisco Bay Area. Our law office attorneys and lawyers represent clients who are facing foreclosure, creditor harassment, high medical bill, court judgment, repossession, wage and IRS garnishment. You have rights. We can help you. We have helped many clients like you.

Please contact the Bankruptcy Debt Relief Law Office of Geoffrey Nwosu located in Silicon Valley, California at 408-912-5983 for a confidential free consultation

Law Offices of Geoffrey C. Nwosu

1710 Hamilton Ave.
San Jose, CA 95125

(408) 912-5983
(408) 375-7703



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