What a judgment really means
When a creditor wins a judgment in Texas, they gain new legal tools to collect — but they also gain leverage you can use back. Most judgment creditors would rather take a discounted settlement now than chase collection for years.
Our job is to negotiate aggressively while protecting what Texas law already exempts: your homestead, your wages, your retirement, and most personal property.
How we settle judgments
- Analyze the judgment, accrued interest, and any post-judgment fees
- Identify exempt assets and income that are protected from collection
- Open negotiations with the judgment creditor or their counsel
- Push for lump-sum or structured settlements at a steep discount
- Document the settlement properly to ensure the judgment is released
Other post-judgment options
Motion to Set Aside
If less than 30 days have passed since the default judgment, we may be able to vacate it entirely.
Bill of Review
A separate equitable proceeding to set aside an older judgment when specific legal grounds exist.
Bankruptcy Discharge
Chapter 7 can discharge most judgment debts within 3–4 months — fully erasing them.
Negotiated Payoff
Direct settlement at a discount, paid in lump sum or installments.