Have you just discovered there’s a default judgment against you? You’re not alone. According to the Consumer Financial Protection Bureau (CFPB), over 1.5 million default judgments were issued last year in various debt-related cases. Many people never even realized they were sued until the judgment was entered. A default judgment can quickly turn into wage garnishments, bank levies, or even the forced sale of a property—creating fear, uncertainty, and a severe blow to your financial security. But all is not lost.
The Reality of Default Judgments
- No Prior Knowledge: A default judgment often occurs when a lawsuit proceeds without your participation—maybe you never received proper notice, or the paperwork was sent to the wrong address.
- Aggressive Creditor Actions: Once a creditor has a default judgment, they can use it to garnish your wages, place liens on your property, or freeze your bank accounts.
- Credit Damage: Although consumer credit reports do not report most civil judgments, a public court record of a judgment can interfere with home loans and employment opportunities.
Why a Default Judgment Is a Serious Threat
Default judgments empower creditors to enforce their claims without giving you a fair chance to argue your side. This means you could wake up to empty bank accounts or withheld paychecks. Worse yet, some creditors may threaten even more extreme measures.
Suddenly, bills and daily expenses become harder to manage, causing stress that can disrupt your family life and overall well-being.
The Opportunity to Remove a Default Judgment
There Is Hope: Tens of thousands of families have successfully fought back and removed default judgments with the right legal approach. Contrary to popular belief, default judgments can be reversed—especially if you lacked proper notice or if there were procedural errors in how the judgment was obtained.
Potential Paths to Relief:
- Filing a Motion to Set Aside: If you can show the court there was an excusable reason for not responding to the lawsuit (such as incorrect service of notice), you may have the judgment set aside.
- Negotiating a Settlement: Sometimes, creditors are open to discussing new terms or agreements once you demonstrate you’re willing to address the debt properly.
- Exploring Other Defenses: If the amount claimed in the lawsuit is wrong, or the debt is not yours, raising these defenses may convince the court to remove the judgment.
Why The Fullman Firm Is Your Best Ally
Proven Results: We have helped tens of thousands of families challenge default judgments, securing them a fresh start and peace of mind.
Personalized Action Plan:
- We carefully examine the details of your case to find errors or legal grounds to challenge the judgment.
- We’re skilled at negotiating favorable terms, potentially reducing what you owe or restructuring how it’s paid.
Fighting Fear with Expertise:
- Our attorneys focus on debt and credit defense, meaning we know the ins and outs of debt-related legal actions.
- We understand how creditors operate and use that knowledge to shield you from aggressive tactics.
Flexible, Transparent Fees:
- We keep our fee structure straightforward, ensuring you can secure top-notch legal help without hidden costs.
- We even offer flexible payment options so you can focus on getting relief rather than worrying about legal fees.
Regain Control of Your Financial Future
Don’t let a default judgment control your finances or overshadow your family’s security. The Fullman Firm stands ready to help you remove it and take the first step toward a more stable life. Whether you discovered the judgment by chance or had doubts about how you were served, our legal team will evaluate your unique situation and craft a path forward.
Ready to Overcome the Fear and Protect Your Assets?
Call us today for a free consultation. Learn how our years of experience and proven strategies can help remove a default judgment and bring you genuine peace of mind.
