19 Jun Bankruptcy Erases Most Judgments
It often happens that a creditor gets a judgment against you before your bankruptcy case is filed. That judgment is erased by the filing, unless it’s a type of debt that isn’t discharged anyway (fraud, theft, intentional injury, and the like).
This doesn’t automatically mean that you need to file a bankruptcy case. You may be judgment-proof, where you have no unprotected incomr or assets for a judgment creditor to take. You can put off a filing until you need it. \ The worst that will happen is that the judge might call you in every six months or so to see if your situation has changed which justifies a payment order. Any payment order will go away in the later bankruptcy filing.
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