3-4 yrs ago I was in a serious mental crisis situation. I had a car uninsured. My daughter was driving and someone hit the car while sitting at a red light. There were injuries. State farm sued me there is a judgement against me 140,000 and I am on disability I need help.
No one can "make" you file bankruptcy, but what you describe sounds like the ideal situation to employ the bankruptcy laws to get you out from underneath that massive judgment. Put into legal terms, the judgment against you, while for a large amount of money, is nevertheless just a common, garden variety unsecured debt that can be discharged by a Chapter 7 bankruptcy. And given that you are on disability, it is likely that you can meet the qualifications for Chapter 7. Frankly, unless you have the funds to pay the judgment, my strong advice is to pursue the possibility of filing a Chapter 7 bankruptcy to get rid of this debt (and any other unsecured debt that you might have, such as credit card debt and/or medical bills). If you are qualified for a Chapter 7 filing (and you will know whether you are by meeting with an experienced bankruptcy lawyer), you'll feel an immediate sense of relief. I strongly suggest that you do seek out an experienced bankruptcy lawyer and see him or her as soon as you can. Best of luck to you.
My reply to this question does not create an attorney-client relationship between you and Ronald S Siegel, nor is it intended to constitute legal advice to your specific situation. It is nothing more than a legal opinion based solely on facts set forth in the question, and you should not rely on it legal advice. As always, you are always best served by consult with an attorney who is familiar with the law in your jurisdiction to fully protect your legal rights.
Our Rating is calculated using information the lawyer has included on their profile in addition to the information we collect from state bar associations and other organizations that license legal professionals. Attorneys who claim their profiles and provide Avvo with more information tend to have a higher rating than those who do not.
Years licensed, work experience, education
Peer endorsements, associations, awards
Publications, speaking engagements