Justice of the Peace Harris County Precinct 2 Place 2: You Got Your Judgment—Now What?
Have you been sued by a creditor in Justice of the Peace Harris County Precinct 2 Place 2? Or are you a creditor looking to enforce a judgment? This guide will walk you through the options for collections and how bankruptcy can offer a fresh start for debtors facing lawsuits.
Have You Been Sued in Justice of the Peace Harris County Precinct 2 Place 2?
Thousands of debt collection lawsuits are filed annually in this court against individuals just like you. If one of these creditors or debt buyers has sued you, it’s time to understand your options:
- Midland Funding LLC
- Portfolio Recovery Associates LLC
- American Express Bank FSB
- And many others…
You Got a Judgment—What Happens Next?
When a creditor secures a judgment against you, they gain legal avenues to collect what they’re owed. However, enforcing a judgment isn’t automatic—it requires legal steps.
Collections: Writs of Garnishment and Beyond
Creditors often rely on writs of garnishment to access funds in your bank accounts. This allows them to freeze and collect from your non-exempt assets. Texas law protects wages, retirement accounts, and your homestead, but your bank accounts are not exempt.
- Abstract of Judgment
Creditors can file an abstract to place a lien on real property you own. This affects your ability to sell or refinance. - Writ of Execution
Non-exempt property, such as vehicles or valuable assets, can be seized and sold at auction. - Writ of Garnishment
Bank accounts are fair game. Seven days after the judgment, creditors can freeze funds in your account. - Turnover Orders
A creditor can request turnover of non-exempt property or even tax refunds.
Your Options as a Debtor
If you’re facing a lawsuit or judgment, you have several paths forward:
Negotiate a Settlement
Settle for a reduced lump sum or establish a payment plan. A skilled attorney can often negotiate better terms on your behalf.
Fight Back
If the debt is inaccurate, too old (beyond Texas’s four-year statute of limitations), or not yours, you can contest the lawsuit. This requires legal expertise and preparation to go to trial if necessary.
File for Bankruptcy Protection
For those overwhelmed by multiple debts, bankruptcy can be a powerful tool. Bankruptcy stops all collections immediately and addresses all debts in one process. Chapter 7 can discharge debts entirely, while Chapter 13 allows for manageable repayment plans.
Why File for Bankruptcy?
Filing for bankruptcy not only halts all collection efforts but also provides long-term relief. It’s often the most cost-effective solution if you’re facing multiple lawsuits or significant debts.
Benefits Include:
- Representation against all creditors.
- Court oversight to enforce bankruptcy protections.
- A fresh financial start.
Justice of the Peace Harris County Precinct 2 Place 2: Court Information
- Presiding Judge: Honorable Judge Dolores Lozano
- Address: 101 S. Richey, Suite B, Pasadena, TX 77506
- Jurisdiction: Civil cases up to $10,000, evictions, and deed restrictions.
