Stop Judgments ASAP in Raleigh, NC!

Worried about creditors getting judgments against you? Here’s what you need to know and how you can stop them fast!

How to Check for Judgments:
You can easily find out if any creditors have judgments against you by going to your local county courthouse. Ask a clerk where the computer is to look up judgments. In North Carolina, you can check for judgments statewide at any county courthouse! Make sure to print out anything you find and include it with your worksheet.

Received a Judgment Notice?
If you get a notice saying a creditor has a judgment against you, it’s super important to fill out the Motion to Claim Exempt Property right away. Whether you know about it or not, a judgment puts a lien on any property you own in the county where the judgment was entered. This judgment earns interest and may even include attorney fees! If you have equity in your property, a creditor can take and sell it at auction. Yikes! Not a fun way to leave your home.

It Gets Worse…
If you don’t stop a judgment, creditors can go after your bank accounts, personal belongings, vehicles, tools, and more! Before they can take anything, you’ll be served a notice. At this point, you need to fill out the Motion to Claim Exempt Property to list your assets and protect what’s exempt (kind of like in bankruptcy). If you don’t respond in time, creditors can take almost everything—except pensions! It’s really important to tell us ASAP if this happens.

Judgments Can Mess Up Your Credit:
If you don’t stop a judgment, it can stay on your credit report for 10 years, and it’s renewable, meaning it could stay there forever! Plus, it can even affect things like your security clearance.

Good News!
You can stop most judgments by filing for bankruptcy. We can help you check for any judgments, and it’s a smart move to take action now.

Don’t wait—get in touch so we can help stop those judgments!