I found out last night that I had a judgement filed against me from a law firm representing a debt collection agency. This was for a credit card that I had that went into collections. I never was served with the judgement and never received any paperwork about it. The judgement was entered in the Court of Com Pleas. As a result my bank account is frozen. I want to resolve this in the quickest way possible as I am in the process of adopting a child who will be coming to live with me in November.
I am wondering if you feel the best course of action would be to try to open the judgement since I was never served with the papers to get my bank account unfrozen and then try to negotiate with the law firm (Wolpoff & Abramson) that sued me and then go from there to try to negotiate down a payment OR would it be best to file bankruptcy and take care of this in that way. I have contacted some lawyers but I wanted advice from people on here. Other than that my financial situation is ok
You should seek the advice of a lawyer in your area.
It will be cheaper if you file for bankruptcy.
A bankruptcy may raise questions in the adoption proceeding — and these days is expensive. Depending on the size of the judgment & how much is under levy, you might want to open an account in another bank, & try to negotiate a release of the judgment.