How to Get Help With a Credit Card Judgment With a Debt Collector

The best way to get assistance for dealing with a judgement against you for a delinquent credit card is to contact a debt settlement or bankruptcy attorney. Working with such professionals is not the only way to defend yourself from a credit card judgment, but it's the most effective method for getting expert advice. If you hire a lawyer, he's obligated to act in your best interests.

Instructions

1

Avoid working with companies that offer you relief from credit card judgments. Unless you hire a lawyer, you run the risk of having your finances ruined by an unscrupulous company that may harm your finances through such methods as filing for bankruptcy without your consent.

2

Find a debt settlement or bankruptcy attorney who will assist you in protecting your assets from debt collectors. The goal of your attorney will not necessarily be to file for bankruptcy, but to discharge your debts at a minimum expense and prevent your assets from being sized to pay back your debts.

3

Attend all court dates that you are summoned for. If you miss a court date, a default judgment will be filed against you. Have your attorney accompany you to all court dates. They will advise you on what documents to bring with you and what to bring up during the hearing.

4

Attempt to reach a settlement with your creditors with the aid of your attorney. In most cases, even if you have had a judgment successfully filed against you, you will be able to settle the debt for less than the total amount owed.

5

Consider filing for bankruptcy with the aid of your attorney if you can't afford to settle your debts or if judgments against you threaten you major assets, such as your home. Your expenditures and overall financial behavior over the last six months or more will be scrutinized by a judge after you file for personal bankruptcy.