Judgements

[justbroke]

I know that I have to take additional steps to vacate the civil judgments at the court that issued them but given that I have included the debt and judgments in the BK, the creditor cannot garnish or levy my bank accounts after they have been discharged in the BK.

If you're only worried about a garnishment of a deposit account at a bank, then this is true. However, if you had assets it is a concern and I posted the information so that other pro se filers would take heed. Usually, as in your case, the creditor just gives up and doesn't try to do anything. However, I wouldn't put it past some ankle-biter to try to enforce the judgment lien at some point in time. You just never know.

I'd rather have something definite -- lien avoided -- over wondering if they are ever going to attempt to enforce the lien.

[BankruptinNJ]

I called the office of the court where both lawsuits were filed and they told me simply to write a letter to them about the discharge and include a copy of the discharge letter. Is this enough? When I asked about "vacating" they did not seem to know what I was talking about!

[dneil]

I had an attorney, wouldn't my attorney have taken care of any judgments against my husband or I? I have not yet been discharged, but we are patiently waiting. I don't know if any of those judgments placed liens on my property. That is scary....