Dealing with a court judgment against you can feel overwhelming, especially when it results in aggressive collection efforts like wage garnishment, bank levies, or property liens. How can you remove and stop collections on judgments in Michigan?
You can remove and stop collections on judgments in Michigan by negotiating a settlement, filing a motion to vacate the judgment, claiming exemptions, or discharging the debt through bankruptcy.
Continue reading “How Can You Remove and Stop Collections on Judgments in Michigan?”
Start Your Financial Reset
Embrace A Debt-free Future
Frequently Asked Questions
Can a creditor garnish my wages without notice in Michigan?
No, Michigan law requires creditors to provide a wage garnishment notice at least 30 days before garnishment begins. Borrowers have the right to dispute the garnishment or seek an exemption.
Can I negotiate a judgment settlement with a creditor?
Yes, creditors often accept lump-sum settlements or payment plans to satisfy the judgment and stop collection actions. Negotiating with the creditor may also result in removing the judgment from your credit report.
Does filing bankruptcy remove a judgment in Michigan?
Yes, Chapter 7 or Chapter 13 bankruptcy can discharge most types of judgments, including credit card and medical debt judgments. However, certain judgments, like those related to fraud or child support, are not dischargeable.
What happens if I ignore a judgment in Michigan?
Ignoring a judgment allows the creditor to take enforcement actions, including wage garnishment, bank levies, and liens on your property. The longer you wait, the more interest may accrue on the debt.
Can a judgment be removed from my credit report before 7 years?
Yes, if you vacate, settle, or successfully dispute the judgment, you can request removal from credit reporting agencies before the 7-year reporting period expires.