The best solution to eliminate a judgment is a chapter 7 bankruptcy, if you qualify. The first area of inquiry is about your assets. I, or any counsel that you speak with, will need to determine if you have any non exempt assets that would be at risk in a bankruptcy. If not, then I or they would inquire about your income to determine if you have significant disposable income and pass what is known as the means test. If it appears that your assets are exempt and you have little or no disposable income, I would strongly recommend a chapter 7 to obtain a discharge, a court ordered elimination of most debts, including judgments.
I trust this answers your question, but, if you are in the eastern part of the state, I am happy to advise you on a free initial basis.
Answered on Feb 15th, 2016 at 10:31 AM