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Judgment Lien Stripping in California

What is judgment avoidance & lien stripping?

Judgment liens come about when a consumer falls behind on payments, such as an auto loan. When a consumer falls behind on their payments, the person's lender may obtain a default judgment from the court which allows them to take action to collect the debt, such as garnishing their wages or freezing their bank account. Certain judgments can be avoided, or even "stripped," when the consumer files for bankruptcy.

How to Avoid a Judgment Lien

Do you have a default judgment out against you? Are you filing for bankruptcy? If you answered yes to these two questions, then a Cerritos bankruptcy attorney from our firm can help you have that judgment "stripped" through exemption. Certain property can be marked as "exempt" when you file for bankruptcy, such as your house and / or your car up to a certain value.

California Homestead Exemptions

You can mark your home as "exempt" in the following cases:

  • Up to $75,000 if you are single and not disabled
  • Up to $100,000 if family and at least one family member has no interest in the homestead
  • Up to $175,000 if you are 65 or older, or if you are physically or mentally disabled
  • Up to $175,000 if creditors are seeking to force the sale of your home and you are either a) 55 or older, single, and earn under $25,000 per year or b) 55 or older, married and earn under $35,000 per year

California Motor Vehicle Exemptions

  • Your motor vehicle is exempt up to $2,900

Get More Details from a Bankruptcy Attorney in Cerritos, CA

Protect your home, your car, and other valuable property by having default judgments stripped through bankruptcy. Consult an attorney from the Law Office of Raymond J. Seo today to learn how we can guide you through this process and protect your property.

Contact us today at (888) 488-8513. Your initial consultation is free!

Why Hire the Law Offices of Raymond J. Seo

  • We See Our Clients
    as People First

    We treat each client with respect and dignity and ensure the highest quality of professionalism for each individual. We see our clients as people first, not paychecks.

  • Lower Fees

    Our firm also proudly offers significantly lower fees than other large firms and direct access to the attorney working on your case.

  • Personalized Strategies

    We stay abreast of the changing bankruptcy laws and concerns so that we are always prepared because we understand that your case is unique to you.