Legal Question in Credit and Debt Law in Massachusetts

Re: Judgement

In order to obtain a judgment against you, the creditors would need to file a court action and provide the court with proof that you owe them the money they claim you owe. You would be notified of the date/time of the trial. You would have an opportunity to show up on the trial date and offer your side of the dispute. If the court finds in favor of the creditor, a judgment is issued in the amount of what the court determines you owe. The creditor would then be able to garnish your wages, attach assets, or request the court order a re-payment plan. There is no such thing as filing a judgment. The creditor must file a case first and ask the court to issue a judgment in its favor. My experience is that the creditors will usually offer to reduce the balance owed if you make some payment on the debt. Bankrputcy would be your other option to deal with the debt if you are unable to pay or reach an agreement with the creditors.