Pflugerville, TX Bankruptcy Law Firms & Lawyers

If the time for doing so has not already expired, you could file an appeal in the lawsuit where the judgment was rendered. You would need to assert some reason why it's wrong and point out what mistake the trial court made. If the time already has run out or if the trial court did not make some particular mistake, then I don't see any way for you to dispute the judgment at this point. You also asked whether a bankruptcy can get rid of the judgment. The answer is yes, a bankruptcy could wipe it out (which is different than disputing it).

Civil judgments can often be eliminated by bankruptcy. The types of debts that may be ineligible to be eliminated are described in 11 USC sec 523. If the accident was related to a criminal action, such as drunk or drugged driving, it is possible you may not be able to eliminate it through bankruptcy, but the creditor would have to file suit against you in bankruptcy court very quickly to stop the debt from being eliminated.

The car lender is lying to you about taking the car if your payments are current. And it is too late to obtain a reaffirmation, which by law must be submitted to the court before the discharge is entered. You should have read your entire bankruptcy petition before it was filed and let your lawyer know that a creditor was missing, if in fact it was missing. Look at Schedules D or G of your bankruptcy paperwork to determine whether this debt was included. If not included, it is now too late to make any changes. Talk to your own lawyer about the repercussions of this mistake of yours.