I have the possiblity that I might be sued for a delinquent credit card bill. They take you to court and sue you for payment, and it is called a credit card judgment (CCJ), and they can garnish your wages or take from your savings, etc.
Does anyone know, can you declare bankruptcy after the judgment (CCJ) is made, and have the CCJ included under the bankruptcy protection? Can you declare bankruptcy and have the CCJ as a part of it? Someone tried to tell me that it becomes a "secure" debt that you can't include in a bankruptcy, once the court makes a CCJ judgment.
Thank you in advance.
I don't understand the first answer given. I am a bankruptcy paralegal, and ALL credit card debts, including civil judgments, must be included in your petition and schedules. Maybe it is different in different parts of the country, but where I am from you are required to list all debts, lawsuits, judgments, etc. I have put a stop to many lawsuits and judgments in my day through the bankruptcy code. My best advice is to contact a bankruptcy attorney and set up a free consultation. Good luck.
