getting rid of judgements on house

[anykey]

I may file chapter 7 in PA. I have 2 judgements on my house- credit cards- my mortgage is current.

If I file chapter 7, will this get rid of the judgments, or do I have to file some other forms in addition?

[IBroke]

As far as I know, you would need to file motions to avoid judgment liens. At least that's what my mother will have to do once she files.

[anykey]

is this done at the same time as a chapter 7?

[justbroke]

You would do this during the Chapter 7 with a Motion to Avoid Lien. However, the lien must impair some exemption. Since Penn has no homestead exemption you "may" need to use the Federal Exemptions. You should certainly consult with attorneys because you need to do this correctly. They will probably charge "extra" for any Motion to Avoid Lien (and if you have multiple judgment lients then this may be multiple Motions).

I would make certain to consult with attorneys in your area.

[anykey]

Wondering if it would be cheaper to file 7 myself- then have it re-opened so an attorney can file motion to avoid a lien

[justbroke]

Wondering if it would be cheaper to file 7 myself- then have it re-opened so an attorney can file motion to avoid a lien

Let's see. Re-opening is $260 and the attorney will probably charge "a la carte" at $200-$375/hour. Since it would require a hearing, you may be looking at 3-4 hours of attorney time. If you negotiate, you might be able to get the whole thing professionally done for < $1,500. It just depends on so many factors (no look fees for your District, caas complexity, etc.)

Just my thoughts.

[stray]

Just FYI, I had an atty and he had to file one Motion to Avoid Lien for me. He added $300 to the fee for that. Good luck.