Judgments
Get Out From Under A Judgment – We Can Help
Erase Court Judgments & Debt with a Bankruptcy Attorney Near You
Have you been hit with a judgment? Is your paycheck being garnished or your bank account frozen? I know how overwhelming that can feel—but I want you to know you’re not out of options.
At The Debt Erasers, we help people all across Western and Central Pennsylvania get protection from judgments and collection efforts through Chapter 7 or Chapter 13 bankruptcy. I’m Attorney Kenneth P. Seitz, and I’ve been guiding individuals and families through this process for over 20 years. Together, we can build a plan to stop the garnishments, protect your property, and erase the debt behind the judgment—so you can move forward with peace of mind.
No Pressure - Just Answers
What Is A Judgment, And Why Does It Matter?
A judgment is a court order confirming that you owe a debt. In Pennsylvania, judgments come with some serious consequences:
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They’re good for five years and can be renewed again and again.
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They automatically attach to any real estate you own in the county.
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They can lead to wage garnishment or bank account seizures.
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They can prevent you from selling or refinancing your home.
Judgments don’t just go away on their own—but bankruptcy can give you a powerful tool to stop the damage.
How Bankruptcy Can Help With Judgments
When you file for Chapter 7 or Chapter 13 bankruptcy, the court puts an automatic stay in place. That means all collection activity must stop immediately, including:
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Garnishments
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Bank levies
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Property liens
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Any efforts to collect on the judgment
In many cases, we can go a step further and make the judgment itself null and void—especially if it’s tied to a debt that qualifies for discharge, like a credit card, medical bill, or personal loan.
And if there’s a lien on your home from that judgment? Bankruptcy can help us remove it, clearing the title and giving you the freedom to keep, sell, or refinance your property.
Chapter 7 vs. Chapter 13: Which Is Right For You?
Chapter 7 Bankruptcy is usually the quickest path to eliminating judgment-related debt. If you qualify, it can wipe out the debt and render the judgment unenforceable.
Chapter 13 Bankruptcy gives you time to catch up on certain debts while protecting your income and property. It can help stop wage garnishments, prevent levies, and in some cases, remove liens tied to judgments.
When we meet, I’ll help you figure out which chapter makes the most sense for your situation.
One of the hardest parts about judgments is that they can sit quietly for years… and then strike when you least expect it. I’ve seen clients lose access to their bank accounts or get surprise garnishments that throw their entire month into chaos.
Here’s what we can do through bankruptcy:
- Stop garnishments and account levies immediately
- Erase the judgment and the debt behind it
- Protect your home and clear up property titles
- Give you breathing room to rebuild and recover
Why Choose The Debt Erasers?
I know you have options when it comes to legal help—but when you call The Debt Erasers, you’ll speak directly with me. Receive real, personalized help from a lawyer who’s been doing this for over two decades.
I provide:
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Free consultations
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Honest guidance without pressure
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Clear explanations tailored to your situation
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Local experience with courts across Western and Central PA
If you’re dealing with a judgment, don’t wait for a paycheck to disappear or a lien to pop up unexpectedly. Let’s sit down, talk about your options, and build a strategy that puts you back in control.
Call now to schedule your free consultation or fill out our secure contact form to get started.
Let’s stop the judgment, stop the garnishment, and start fresh—together.
Help Is Closer Than You Think
Johnstown Office
319 Washington Street, Suite 238
Johnstown, PA 15901
814-536-7470
Clearfield Office
301 E. Pine Street
Clearfield, PA 16830
814-765-2699
Somerset Office
118 South Kimberly Street, Suite 30
Somerset, PA 15501
814-536-7470
Punxsutawney Office
103 North Gilpin Street, Suite 307
Punxsutawney, PA 15767
814-765-2699
Contact Us About Your Case
Ready to take the first step toward a fresh financial start? Contact The Debt Erasers today to schedule your free consultation. We’ll listen to your situation, answer your questions, and help you build a clear, personalized gameplan for debt relief through Chapter 7 or Chapter 13 bankruptcy. There’s no pressure—just honest guidance from a team that truly cares.