So, you’ve received a debt judgement in a Texas court. It’s not the news anyone wants, but it’s important to understand your options and take action. A debt judgement is a court order that confirms you owe a specific amount of money to a creditor. This typically happens after a creditor sues you for unpaid debt and wins in court, or if you fail to respond to the lawsuit and receive a default judgement. Essentially, it legally solidifies the debt and gives the creditor stronger tools to collect the money, such as wage garnishment, bank account levies, or liens on your property. A judgement becomes part of your credit report and can negatively impact your financial health for years to come.
Let’s break down how to deal with a judgement and how Heston Law Firm can help.
Understanding Your Options
- Satisfy the Judgment in Full: If you have the means, paying the judgement in full is the quickest way to resolve the issue and avoid further collection efforts.
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File an Appeal: If you believe the judgement was issued in error, you have the right to appeal the decision to a higher court. This is where legal representation becomes crucial. An experienced attorney can review your case and advise you on the likelihood of success in an appeal.
Debt Judgement and Lawsuits
Many judgements arise from debt lawsuits. Here’s a typical scenario:
- You fall behind on payments: This could be credit card debt, medical bills, or a personal loan.
- The creditor hires a debt collection agency: These agencies often use aggressive tactics to try and collect the debt.
- You get sued: If you don’t respond to the lawsuit or fail to appear in court, the creditor may obtain a default judgement against you.
How Heston Law Firm Can Help
Navigating the legal system can be confusing and stressful. Heston Law Firm has extensive experience in handling debt lawsuits and judgements. Here’s how we can assist you:
- Negotiating with Creditors: We can act as your advocate and negotiate with creditors on your behalf to reach a favorable payment plan or settlement.
- Exploring Legal Defenses: Our attorneys can analyze your case to identify potential legal defenses against the lawsuit or the judgement.
- Filing an Appeal: If an appeal is warranted, we can guide you through the appeals process and represent you in court.
- Protecting Your Rights: We can help you understand your rights and ensure that creditors and debt collectors adhere to the law.
- Stopping Wage Garnishment: If your wages are being garnished, we can take legal action to stop it and explore alternative solutions.
If you’re facing a debt judgement or a debt lawsuit, it’s crucial to seek legal advice as soon as possible. The sooner you act, the more options you’ll have available. Contact Heston Law Firm today for a consultation. We can help you understand your rights, explore your options, and work toward a resolution that protects your financial well-being.