Several Default Judgements Against Me. Now What?

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I live in Michigan and have several default judgments against me for bad credit card debt. I live in my own home but it is no longer worth what I owe on the mortgage, my mortgage payments are current along with my vehicle loan. I’m a retired Federal Employee. Now what happens? I have several collection agency’s calling me and leaving me messages to call them back. Can I still file for bankruptcy with judgments against me? There is no way I will ever be able to pay back what they say I owe.

4 Comments
  1. Reply
    bryan l
    May 2, 2011 at 1:31 am

    I think it is in your best interest to get a free consultation from a BK attorney at this point.

  2. Reply
    Jay P
    May 2, 2011 at 2:06 am

    Well since you haven’t told us any numbers, it’s hard for anyone to say whether or not you can pay it back.

  3. Reply
    Dixie Darlin'
    May 2, 2011 at 2:17 am

    You will have to pass the means test and have consumer credit counseling before you can file BK.

    http://www.nolo.com/article.cfm/ObjectID/8400442E-EEE8-4479-A8D109AFB7E2E9CA/catID/283B9600-ECC3-49ED-9D9A20A3E13F42E0/213/161/128/ART/

    Yes, a judgment is allowed to be discharged in a Chapter 7 bankruptcy, below are links to better educate yourself on BK.

    http://www.bankruptcyinformation.com/personal-bankruptcy.htm
    http://www.bankruptcyinformation.com/faq.htm

  4. Reply
    Shane F
    May 2, 2011 at 3:16 am

    I would say you need to clean out of your bank account because they can find your bank account. They will freeze your bank account to take ALL of your money out. That is only way they can do this to you.

    Checking with your state to see if they have limited on Judgment like 10 years with no renew. If it is renew judgment then it would be a good idea for you to file bankruptcy but it is up to you.

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