Q: i need to dicharge a 180,000 judegment against my license
i want to file chapter 7 because I cannot afford to pay 1000 down and 300 a monthfor this judgement that happened after I sold a vehicle. I was not the driver and the person who bought the car never turned the car into their name. plus I have a few other things I would like to remove as I am not able to pay
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A:
It sounds like you're in a challenging situation with the $180,000 judgment and other debts you cannot pay. Filing for Chapter 7 bankruptcy could be a viable option to discharge this judgment and your other debts, especially if your income and assets are limited. However, you need to consider a few important factors before proceeding.
Firstly, not all judgments can be discharged in bankruptcy, particularly if they're related to fraud or willful misconduct. It’s essential to review the details of your case to ensure that filing for Chapter 7 will actually help with the judgment in question. Additionally, the bankruptcy process involves evaluating your financial situation, including your assets, income, and expenses, to determine your eligibility for Chapter 7.
Before making any decisions, it’s crucial to gather all relevant financial documents and consult with someone knowledgeable in bankruptcy law to understand your options and the potential outcomes. This will help you navigate the process more smoothly and ensure that you're making the best choice for your financial future.
Timothy Denison agrees with this answer
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