Will bankruptcy stop civil judgments?

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Will bankruptcy stop civil judgments?

I only receive social security disability; judgment is for utility company.

Asked on October 6, 2011 under Bankruptcy Law, Connecticut

Answers:

M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

Bankruptcy would be an option here. However, if you do not have any assets and your only income is Social Security, you could choose not to pay what you owe. Social Security funds are what is known as "exempt". So if they are direct deposited into your account, a creditor cannot freeze your account and get to that money. Therefore while the utility conpanm may have a judgment against you they have no way to actually collect from you.

Note: Only 2 months worth of Social Security benefits are protected. Also, don't transfer these benefits to another account since they will then lose their protection.


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