Judgments and Garnishments

A judgment refers to a decision by a court that has been entered into the public record. Before a judgment can be issued, a lawsuit must be filed against you. If you do not file an answer to the lawsuit within the time period required by law (usually 20 to 30 days after service of the lawsuit on you), the plaintiff can ask the judge to issue a “default judgment.”…

Stop Foreclosure in Chapter 13

By filing Chapter 13 bankruptcy, you can stop a foreclosure if the bankruptcy is filed before the foreclosure date. Your Chapter 13 repayment plan must provide for paying the mortgage holder all arrears in the plan. The earlier that you file a Chapter 13 once you fall behind on the mortgage, the less money you will have to pay to the mortgage holder in arrears, so don’t wait to contact…

What do I need to bring to my 341 hearing?

You must attend the 341 hearing, and you must bring the following things, or else your hearing will be rescheduled when you get there: 1.  Picture ID, such as a driver’s license or passport. 2.  Your original social security card. If you do not have your social security card, you may bring a W-2 issued from an employer. (Tax returns cannot be used to prove your Social Security Number). 3.  Bank…