Judgments? Let Epic fix it

Credit cards allow you to purchase goods and services on credit, based on the cardholder’s promise to the card issuer to pay them for the amount plus the agreed charges. But sometimes people fail for one reason or another to pay their debts. The judgment is a court decision that you owe a specific sum of money. Armed with the judgment, the holder of the debt called the judgment creditor can take legal steps to seize the amount. It can also charge interest at a court-approved rate, typically in the range of 5% to 10% until you pay up.

Most credit card debts are unsecured i.e. not backed by property such as a home or car. But after a judgment ruling, the creditor can take steps to seize part of your wage, freeze your bank account, or even haul away your belongings.

Judgments are problems that do not go away by themselves, You have to do something. A court involved issue may be terrifying but the worst decision to make about judgment is to ignore it. Some creditors will prefer to have it settled without the hassle of going to court if you have been sued, contact the creditor immediately to see if there is anything that can be done to stop the lawsuit from going forward. Sometimes the creditor isn’t willing to withdraw the lawsuit, or you may believe that you aren’t responsible for the debt. The best option is to get a good lawyer and together build a good defense.