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Frequenlty Asked Questions

About Court Judgments

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What can a creditor do once they have obtained a Court Judgment against me?

Once a judgment has been entered against you a creditor can apply for a wage garnishment, bank execution, and/or judgment lien in order to collect directly from your employer, your bank account or  your house.

Learn more about Wage Garnishments, Bank Executions and Liens

Can the IRS garnish my wages?

The IRS has special enforcement powers that allow it to garnish your wages, execute on your bank account and attach a lien to your property for  any outstanding tax debt.  The IRS does not need to obtain court permission to take any of these special enforcement actions.  Most taxpayers will receive a 30-day Notice of Intent to Levy prior to any of these special enforcement actions. You can stop an IRS garnishment, attachment and levy by filing a bankruptcy case.

Learn about Tax Resolution here

Can a creditor continue to collect interest even after a Court Judgment?

Yes!  In Connecticut a judge can award up to 10% post judgment interest which will continue to accrue until such time as the judgment is satisfied. This interest will often be paid first by payments and can substantially elongate the time needed to pay off the judgment.

Learn how to prevent unwanted interest on Debt

Why does my bill continue to increase after a Court Judgment?

Debts continue to bear various fees, costs and interests if you fail to make the proper monthly payment.  As a result, your bill can increase significantly as you go through the collection process.  This is true even if you make payments on the bill since the carrying costs against you can build up faster than any payment can reduce your bill.  This is an important truth that needs to be addressed in an overall plan for comprehensive financial recovery.

Learn about the hidden cost of Debt Collection Judgments

Am I responsible for fees that my creditor has incurred?

Yes!  The creditor is allowed to collect their attorney fees, sheriff/marshal fees, and court costs.  These additional expenses are added to the debt and will be required to be paid before the debt is deemed satisfied.

Understand the Fees and other cost during the Debt Collection Process