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A judgment hits differently than a collection letter. Before that point, the debt feels threatening. After judgment, it feels official. People call my office after they see a court document, after payroll mentions a garnishment, or after they realize a creditor can now reach bank accounts and property….

Getting hit with a court judgment can feel like the final nail in the coffin. The creditor won, the judge signed the order, and now it feels like there’s nowhere left to run. You’re probably wondering, "Is it too late? Can I still file for bankruptcy after a…
