Does Bankruptcy Cover Civil Judgments?

Oak Creek Bankruptcy Lawyer Helps You Discharge Debts

Unpaid debts can result in a law suit being filed against you. If you fail to pay off your credit card debt, medical bills, payday loans or tax debt, a creditor may begin a lawsuit against you. If they get a judgement against you, they can potentially garnish your wages or go after your personal assets.

In most cases, filing for Chapter 7 bankruptcy will discharge civil judgements. However, it will not discharge every type of judgement.

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Filing for Bankruptcy in Wisconsin Discharges Most Lawsuit Judgments

Chapter 7 bankruptcy discharges civil judgments
File for Chapter 7 bankruptcy in Milwaukee to eliminate civil judgments.

Filing for Chapter 7 bankruptcy can discharge judgments for certain types of debt. A pending lawsuit is stopped by a portion of the bankruptcy code referred to as the automatic stay. Filing for bankruptcy will remove your liability even if the civil judgment has already been taken against you.


Bankruptcy will not get rid of judgments for certain nondischargeable debts. Some of the most common nondischargeable debts include:

  • Student loans
  • Some taxes
  • Willful and malicious injury caused by the debtor
  • Death or injury caused by drunk driving by the debtor
  • Debts from fraud or misrepresentation
  • Child support, maintenance and alimony

Removing a Judgment Lien from Your Property

As a general rule, liens placed on your property prior to filing will survive after bankruptcy. There are exceptions to this rule! Your attorney can avoid some liens using tools built into the bankruptcy code. Still other liens can be satisfied after you have received your bankruptcy discharge by using Wisconsin law.

Bankruptcy can’t get rid of every judgement lien, but there are many types of judgment liens that can be eliminated. It is important to consult with an attorney to determine if these laws can help you.

For more information regarding elimination of certain liens, schedule a free appointment with Attorney Steven R. McDonald today to discuss your bankruptcy options.

File for Chapter 13 bankruptcy for credit card debt

Read more about what you absolutely have to know before filing for bankruptcy in Milwaukee or other locations in Wisconsin.

What to Do if a Creditor Obtains a Judgment Against You

Step 1: Contact Oak Creek bankruptcy attorney Steven R. McDonald and schedule a free bankruptcy consultation. This can be a difficult and complicated process to tackle on your own. An experienced bankruptcy lawyer can help you navigate this process.

Your wages and assets are at risk when a civil judgement is filed against you. For your best chance to remove or satisfy a civil judgment filed against you, speak with Attorney Steven R. McDonald today. Get yourself out of a financial hole and begin to rebuild your life.

Contact Oak Creek bankruptcy lawyer Steven R. McDonald today for a free consultation.
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