"What Happens If I Can T Pay A Judgement" Discussion

Upsolve Community Member
The Upsolve article https://upsolve.org/learn/erase-judgments-bankruptcy/ explains what happens to judgments during bankruptcy. You might also be interested in this article https://upsolve.org/learn/mean-judgment-proof/

Upsolve Community Member
Great question. If the underlying debt is dischargeable in bankruptcy and there is no judgment lien, then the judgment does not change the status of the debt. To get clarity on what is dischargeable debt, read this Upsolve article: https://upsolve.org/learn/type-debt-erase-chapter-7-bankruptcy/

Upsolve Community Member
Does that help, William! Thanks so much for asking! 

Upsolve Community Member
A garnishment is an order by a court to withhold and surrender a portion of a person’s pay to another entity that has been awarded a judgment against the debtor.

Upsolve Community Member
While that's very similar to a judgment, these terms technically refer to separate things- the judgment is the original court order, and the garnishment is the result (it happens after the original judgment) 

Upsolve Community Member
For the purposes of bankruptcy, you'll be able to list garnishments and judgments separately 

Upsolve Community Member
Thanks for asking! Does this help? https://upsolve.org/learn/file-bankruptcy-will-hurt-co-signer-credit-score/ 

Upsolve Community Member
https://upsolve.org/learn/what-happens-to-the-co-signer-of-a-car-in-bankruptcy/

Upsolve Community Member
It depends which option for your vehicle you choose. The cosigner is responsible for the debt if you can't pay. 

Upsolve Community Member
You do have rights against collection agencies and debt collectors under the https://upsolve.org/learn/fdcpa/. Of course that won't prevent them from trying to collect the debt, it just limits what they can do. 

Upsolve Community Member
Here's a few resources that can help! 

Upsolve Community Member
https://upsolve.org/learn/happens-debt-goes-to-collections/

Upsolve Community Member
https://upsolve.org/learn/dealing-with-debt-collectors-when-you-cant-pay/

Upsolve Community Member
Mary yes it really works i thought it would be hard...On the contrary pretty straightforward and simple.....and the upsolve team can answer your questions along the way.....

Upsolve Community Member
Hi Mary! I know, there is no such thing as a free lunch. Welcome to your free lunch...  It's actually a partnership because, through a series of questions and answers, YOU provide the answers and if some of the questions are confusing, the Upsolve Learning Center will most likely have your answers. This Community will assist you in locating the appropriate Learning Center information should you have difficulties. I am an Upsolver! I filed and was discharged in 2020. I couldn't afford a lawyer either and not only was Upsolve the tool I needed to do it myself, but I believe in Upsolve so much, I am here to assist others like you! Good luck, Mary! :-). 

Upsolve Community Member
I have a question. So far it had been easy enough answering the questions. I am stuck though on how how to find all the places you owe and cannot pay? A second question, is on credit Karma I can pull up Transunion and Experian (I think it was Experian). I have 2 credit scores show in the high 500's. They are a couple numbers a part. My question is I did not have a but 3 credited on it I owe..and my student loans whick say I am good standing. Anything else say there closed. So why is my credit score so low?

Upsolve Community Member
Mary, as a former Upsolve filer now rebuilding credit, let me see if I can assist with the several questions you have here. First, CREDIT KARMA is a commercial company NOT a credit reporting agency. This Upsolve Learning Center article: https://upsolve.org/learn/get-your-free-credit-report/ As far as Student Loans are concerned, late payments on private and federal student loans are reported to credit agencies. If they are in good shape, you won't see them on your credit report(s). I hope this helps! :-) 

Upsolve Community Member
You might also find this article helpful, Mary! https://upsolve.org/learn/do-not-remember-creditors-owed-chapter-seven-bankruptcy/

Upsolve Community Member
Thank you. It did help but it's really overwhelming trying to find all the places you owe. Do I go back as far as I can with the debt?  Does this Questioner have to be done in 5 days? What happens if it isn't? Like I said it overwhelming. Sorry guys to ask all these questions.

Upsolve Community Member
You can take longer if you need, Mary. Thanks so much for being here