Asked in Small Claims and Collections for Michigan

Q: I recently got a judgement against me for a loan that someone gave me on their credit card

I suspect they may have filed bankruptcy and got rid of those charges. Would I have to pay him if he did that. I think he is going to put a lien on my property after the 21 days is up.

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1 Lawyer Answer

A: Just so I understand, who is this "someone" who obtained a judgment against you? Is this "someone" the same person as "they" who may have filed bankruptcy?

Is this "someone" the same person as the "he" who is going to put a lien on your property?

I'm going to try to help based on my assumptions of what you may mean. But this is totally a guess. Someone (friend or acquaintance) got a cash advance on a credit card and gave you a personal loan. Then he/she sued you and obtained a judgment. Then the credit card came after him/her and he/she filed bankruptcy.

Your questions is: "would I have to pay him"? Under my assumption facts, the answer is "YES". If he/she has a judgment against you, you will probably have to pay that, despite the bankruptcy filing.

I suggest you ask your question again with some additional detail. Focus on the following:

1. Who obtained a judgment against you

2. When was the judgment entered and how much was the judgment

3. Did you get a personal loan from "someone" or did you cosign on a credit card

4. Who filed for bankruptcy and is the credit card listed as a discharged creditor in the bankruptcy

Good luck!

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