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Judgment Settlements Helping Norfolk Residents Regain Their Financial Health Since 1991

Norfolk Judgment Settlement Attorney

Virginia’s Largest Consumer Bankruptcy Firm, Serving Norfolk Since 1991

A court judgment against you doesn’t sit quietly. It gives creditors legal tools to pursue your wages, your property, and your bank accounts. At Boleman Law Firm, P.C., we’ve helped more than 140,000 Virginians work through exactly this kind of pressure since 1991, and we bring that same depth to clients throughout Norfolk, VA.

We’re Virginia’s largest consumer bankruptcy law firm, and judgement settlements are among the matters we handle every day. If a creditor has obtained a judgment against you, a free, no-risk consultation with one of our attorneys can clarify your options.

A judgment doesn’t have to define your financial future. Call (804) 358-9900 to schedule your free consultation with Boleman Law Firm, P.C. today.

Why Norfolk Residents Trust Boleman Law Firm, P.C. with Judgment Matters

Scale matters in consumer debt law. We’ve filed more than 150,000 bankruptcy claims and achieved the highest number of Chapter 13 bankruptcy discharges in the state of Virginia. That record reflects a firm built specifically for this work, not a general practice that handles debt cases on the side.

About 75% of our cases are Chapter 13, which means our attorneys know the details of income-based repayment plans, creditor negotiations, and judgment-related debt restructuring as thoroughly as any firm in the state.

Our team includes 13 attorneys and more than 30 professionals. Rather than assigning one generalist to your entire case, we connect you with the right attorney or administrative professional at each stage of the process. For Norfolk clients dealing with a judgment, that means experienced guidance from intake through resolution.

Your Second Chance Starts Here

There's A Path forward

  • Debt Relief
    Debt Relief

    Overwhelming debt happens when your financial obligations become unmanageable, making it difficult to keep up with payments, and we help you assess options to regain control and find relief.

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  • Vehicle Repossession
    Vehicle Repossession

    Vehicle repossession occurs when a lender takes back your car due to missed payments, and we help you understand your rights and explore solutions to prevent or resolve it.

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  • Creditor Reporting Review
    Creditor Reporting Review

    Creditor reporting review involves examining how your debts are reported to credit agencies, ensuring accuracy, and identifying errors that could impact your credit score.

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  • Garnishment & Warrants in Debt
    Garnishment & Warrants in Debt

    Garnishments and debt warrants occur when creditors use legal means to seize your wages or property, and we guide you through your rights and options to challenge or resolve these actions.

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  • Foreclosure
    Foreclosure

    Foreclosure is the legal process where a lender takes back your home due to missed mortgage payments, and we help you explore options to protect your property.

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  • Evictions
    Evictions

    Eviction is the legal process of being removed from your rental property, and we help you understand your rights and explore ways to prevent or resolve it.

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Proudly Serving Communities Ready for a Second Chance

Our Offices

  • "I am beyond thankful!"

    The professionalism, empathy respect and guidance that I received at the Boleman law office was an unforgettable experience that uplift my journey.

    - Monica B.
  • "Boleman law firm has been the best law firm in Virginia."
    They helped me and my wife so much I could never repay them for the help they did for us and they were very kind and helpful and always took my calls and always made sure I was doing my part and they never ever let us down they saved our home our automobiles and that was our life as I said they were like family the way they treated us and did so much for us and the price they charged us was so cheap and they never let us down. To us there is no other law firm that is like family.
    - David R.
  • "I highly recommend Boleman Law firm if you are considering bankruptcy."
    Boleman Law Firm possesses some great lawyers. I had some fears about filing for bankruptcy but their staff walked me through the entire process. I was treated with respect and compassion. It’s not easy deciding to file for bankruptcy but Boleman made the process easy and relatively straightforward.
    - Robert M.
  • "Guided us to a successful outcome."

    We had a great experience . Their team is amazing. Very professional while being considerate of 2 older folks with special needs.

    - Tom G.
Because Clarity Makes the Path Easier

Your Questions, Answered

What a Court Judgment Means for You

A judgment is a court order confirming that you legally owe money to a creditor. Once it’s entered, the creditor gains tools that go well beyond sending collection letters. In Virginia, those tools include wage garnishment, a judgment lien on real property, and bank levies.

Wage garnishment reduces your take-home pay each pay period by claiming a portion of your disposable earnings. A judgment lien attaches to real estate you own, clouding the title and making it difficult to sell or refinance until the debt is resolved. These consequences can compound quickly as interest continues to accrue on the outstanding balance.

A judgement settlement is a negotiated resolution between you and the creditor. It may involve agreeing on a reduced payoff amount or a structured payment arrangement that satisfies the judgment without requiring full payment of the original sum. For some Norfolk residents, settlement is the right path. For others, bankruptcy may provide broader relief.

How Bankruptcy Can Address a Judgment in Norfolk

Filing for bankruptcy triggers an automatic stay, which immediately halts most creditor collection actions, including active wage garnishment and civil collection lawsuits tied to a judgment. For many clients, stopping that collection pressure is the first priority.

Norfolk bankruptcy cases are filed through the U.S. Bankruptcy Court for the Eastern District of Virginia, Norfolk Division. The two primary options for consumer debtors are Chapter 7 and Chapter 13, and each addresses judgment debt differently.

  • Chapter 7: Can discharge many types of unsecured judgment debts entirely, eliminating the obligation after the process concludes. It’s typically suited to clients with limited income and few non-exempt assets.
  • Chapter 13: Allows debtors with regular income to propose a court-approved repayment plan spanning three to five years. This path can address judgment-based obligations while protecting property that might otherwise be at risk.

Virginia’s exemption laws, codified under Code of Virginia Title 34, determine which assets you can protect during the bankruptcy process, including homestead and motor vehicle exemptions. Not every judgment debt is dischargeable. Debts arising from fraud, willful and malicious injury, or certain domestic support obligations may survive bankruptcy, which is why understanding your specific situation before choosing a path matters.

Talk to a Judgment Settlement Lawyer in Norfolk, VA

If a creditor holds a judgment against you in Norfolk, Virginia, the options available depend on your income, your assets, and the nature of the debt. Our attorneys can walk through all of it with you at no cost and no obligation.

Ready to stop the collection pressure? Call (804) 358-9900 or reach out online to schedule your free, no-risk consultation with Boleman Law Firm, P.C..

frequently asked questions

we will help you

  • What Is the Difference Between Chapter 7 & Chapter 13 Bankruptcy?

    There are two primary types of consumer bankruptcy: Chapter 7 and Chapter 13.

    A Chapter 7 bankruptcy, also known as a liquidation bankruptcy, allows for the discharge of many unsecured debts, such as credit cards, medical bills, and personal loans. In exchange, non-exempt assets may be sold to repay creditors.

    A Chapter 13 or “wage earner plan” bankruptcy creates a repayment plan for all or part of your debt. This plan typically lasts three to five years and is often used to stop foreclosure, catch up on mortgage or car payments, and reorganize priority debts.

  • What Is an “Automatic Stay” in Bankruptcy?

    An automatic stay is a court order that goes into effect as soon as a bankruptcy case is filed. It temporarily stops most collection actions, including wage garnishments, repossessions, foreclosures, and creditor lawsuits. This protection is immediate, but it can be limited in certain circumstances, especially for repeat filings.

  • How Do I Know if Chapter 7 or Chapter 13 Is Right for Me?

    The right chapter depends on your income, assets, debt type, and goals, such as stopping foreclosure or wiping out credit cards. Each type offers unique benefits and drawbacks, making it crucial to consult a knowledgeable bankruptcy lawyer about your specific situation.

    At Boleman Law Firm, P.C., we offer free consultations to help you understand your legal options. Our attorneys can carefully review your case and financial goals to determine the best path forward and pursue a favorable outcome.

  • Can Bankruptcy Stop Debt Collection Calls & Lawsuits?

    Debt collectors are generally prohibited from continuing collection activities during pending bankruptcy cases. Once the automatic stay is in place, creditors and collectors must stop contacting you and pursuing lawsuits. However, there are some limited exceptions to this rule. Having an experienced bankruptcy lawyer on your side is critical to protecting your rights.

  • Can Bankruptcy Discharge My Student Loan Debt?

    No, student loans cannot be discharged in bankruptcy. However, there are some instances where bankruptcy may discharge other debts. In some cases, filing for a Chapter 13 bankruptcy can allow you to create a court-approved repayment plan.

    Depending on your income and overall debt, this plan can reduce or pause certain loan payments. Our lawyers are well versed in these legal nuances to help you make informed choices for your financial future.

  • How Long Does Bankruptcy Stay on a Credit Report in Virginia?

    Bankruptcy can be reflected on your credit record for up to ten years, regardless of the type or outcome of the case. While bankruptcy filings can affect credit scores, rebuilding credit is possible with help from a trusted bankruptcy lawyer. Our firm can assess your financial situation and help you find practical solutions to move forward with your life.

  • Do I Need a Bankruptcy Attorney?

    Bankruptcy often has long-term financial and legal consequences for individuals and their families. Working with a competent lawyer is highly recommended to protect your future. Below are some key ways that an experienced attorney can assist you:

    • Determining the right bankruptcy chapter. Your lawyer can help you decide between Chapter 7 and Chapter 13 to prevent a dismissal.
    • Protecting assets. Your attorney can identify potential exemptions to retain property and avoid the unnecessary loss of valuable assets.
    • Filing paperwork. Legal guidance is essential for completing forms accurately and on time while preventing errors and omissions.
    • Handling creditor disputes. Your lawyer can negotiate or respond to objections from creditors or trustees to minimize surprises and potential liability.
    • Navigating the legal proceedings. Your attorney can represent your best interests at the 341 meeting and advise you in subsequent court hearings to prevent mistakes that may jeopardize or delay your case.
We Will Help You Start Rebuilding with Us Today
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Boleman Law Firm, P.C. Boleman Law Firm, P.C.
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