What should I do if I receive a judgment against me?

If you receive a judgment against you in Washington, it is important to take immediate action. This is because the collection defense law in Washington allows creditors to use several means to collect damages from a person who is found to owe a debt. The first step is to contact the creditor or collection agency that is pursuing the judgment against you. You should explain the circumstances of the debt and any potential defenses you may have against it. There may be a possibility of negotiating a payment plan or other agreement in lieu of the judgment. If negotiations do not work out, then you can try to challenge the judgment. You can do this by filing a motion to vacate the judgment. A motion to vacate a judgment is an official challenge to the judgment, and it must be filed with the court that issued the judgment. The court must then decide whether or not to vacate the judgment. Finally, you may have the option of filing for bankruptcy. Bankruptcy is a legal process that allows you to discharge most of your debts, including the debt associated with the judgment. It is important to consult a lawyer before filing for bankruptcy, as there can be long-term consequences. No matter what option you choose, it is essential to respond to a judgment against you as soon as possible in order to protect your rights under the collection defense law in Washington.

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What should I do if I receive a judgment against me?

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