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A judgment creditor has options for collecting the debt that other creditors don't have. These include wage garnishment orders and even seizing your property. However, once you file for either Chapter 7 or Chapter 13 bankruptcy, creditors named in the petition must stop all collection efforts. Once a judge signs the discharge order, the process is complete and you no longer have any legal responsibility to any discharged debt, including a covered civil judgment.
In most cases, liabilities resulting from prior lawsuit judgments also qualify as unsecured assets. If you're in the process of being sued by an individual, declaring bankruptcy may not absolve you of your liability for any potential judgment.Such lawsuits commonly occur after a vehicle accident for which you're deemed to be at fault.ritten by James Hirby | Fact checked by The Law Dictionary staff. With few exceptions, declaring bankruptcy will absolve you of your responsibility to pay off your outstanding unsecured debts in full.