Chapter 13 or 7 Bankruptcy can discharge judgment where the underlying debt of the judgment is dischargeable.  A judgment does NOT make a debt nondischargeable in bankruptcy.  It is the nature of the underlying debt that makes it nondischargeable.

Examples of unsecured debts that are dischargeable are credit cards, personal loan, payday loan, medical bills, deficiency from car repossession or foreclosure.

Examples of unsecured debts that are NOT dischargeable are child support, alimony, debt incurred through fraud (must be proven by creditor), recent IRS tax debt.

However, if the creditor filed an abstract of judgment with the county recorder office where your house or other real estate is located, the judgment for the unsecured debt becomes a secured debt called a judgment lien or judicial lien.  Judgment lien or judicial lien can be avoided through either Chapter 13 or 7 Bankruptcy by filing a motion if it impair the California exemption.  However, if you have too much equity in your house or real estate in excess of the California exemption, some or none of the judgment lien or judicial lien can be avoided.  As the value of real estate rises in Sacramento, Elk Grove, Stockton, Modesto, Roseville, Tracy, and Fairfield, CA areas, the likelihood of avoiding or removing all of the judgment lien from your real estate decreases.

If you have a judgment or judicial lien, schedule a consultation with Muoi Chea Bankruptcy Attorney in Sacramento, Stockton, Fairfield, CA to determine if Chapter 13 or 7 Bankruptcy can help you.