Legal Question in Credit and Debt Law in California

Contact the creditor and arrange payments.

The problem with judgments is that the original amount owed may be considerably inflated pursuant to addition of the creditor's attorney fees and annual interest. (Of course, it's inflated to begin with from the arbitrarily skyrocketing interest rates.) Our bankruptcy practice sees many individuals who cannot possibly afford repayment of such judgments. Often they contact us when they've already suffered losses from garnishment. Obviously all your facts and circumstances would have to be addressed, but filing a bankruptcy petition in federal court can be the fastest and cheapest alternative and bankruptcies immediately stop garnishments and eliminate debts.

This answer (as well as our Web site) doesn�t address all facts & implications of the question; it�s general info, not legal advice to be relied upon; it creates no attorney-client relationship; not all results are applicable to all persons; it may be pertinent to CA only and certain facts may be relevant to the San Diego court only; it�s independent of other answers. Seek legal counsel before acting or refraining from bankruptcy/legal action.

Contact the attorney for the creditor to pay on a payment plan the least amount they would agree to accept or see a lawyer regarding bankruptcy to see if that is an option given your situation including other debt you might have outstanding.