DebtorSettled
$45K Judgment Settled for $18K in 90 Days
Small business owner negotiated 60% settlement through strategic documentation and lump-sum offer timing.
Settlement
40%
Timeline
90 days
Original
$45,000
Final
$18,000
Real Success Stories
See How 47 People Settled for 30-60% Less (And How You Can Too)
Real-world examples of successful judgment settlements, payment plans, and resolution strategies with detailed outcomes and lessons learned.
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DebtorPayment Plan
Wage Garnishment Stopped Through Payment Plan
Debtor halted 25% wage garnishment by negotiating affordable $500/month payment plan with creditor.
Settlement
100%
Timeline
60 days to agreement
Original
$28,000
Final
$28,000
CollectorResolved
Collector Recovered 75% Through Strategic Lien
Judgment creditor placed property lien, leading to 75% recovery when debtor refinanced home.
Settlement
75%
Timeline
18 months
Original
$62,000
Final
$46,500
DebtorResolved
Bank Levy Released After Exemption Claim
Debtor successfully claimed Social Security exemption, releasing $8,400 bank levy within 14 days.
Settlement
100%
Timeline
14 days
Original
$15,000
Final
$15,000
DebtorSettled
Multi-Judgment Settlement: $120K to $55K
Debtor consolidated three judgments totaling $120K into single $55K settlement with structured payment plan.
Settlement
46%
Timeline
120 days
Original
$120,000
Final
$55,000
CollectorPayment Plan
Collector Achieved 90% Recovery Through Garnishment
Creditor implemented wage garnishment strategy, recovering 90% of judgment over 24 months.
Settlement
90%
Timeline
24 months
Original
$35,000
Final
$31,500
DebtorSettled
Property Lien Removed Through Negotiated Settlement
Homeowner negotiated lien release for 50% settlement before home sale, avoiding foreclosure complications.
Settlement
50%
Timeline
45 days
Original
$52,000
Final
$26,000
DebtorSettled
Small Business Avoided Levy Through Quick Settlement
Business owner settled $38K judgment for $22K within 30 days to prevent bank account levy.
Settlement
58%
Timeline
30 days
Original
$38,000
Final
$22,000
CollectorPayment Plan
Collector Negotiated Payment Plan After Failed Levy
After unsuccessful levy attempt, creditor negotiated $750/month payment plan yielding 85% recovery.
Settlement
85%
Timeline
48 months
Original
$42,000
Final
$35,700
NeutralResolved
Judgment Lien Satisfied Through Refinance
Debtor paid full judgment amount plus interest during home refinance, removing lien and improving credit.
Settlement
100%
Timeline
12 months
Original
$29,000
Final
$32,500
DebtorResolved
Garnishment Reduced Through Hardship Claim
Debtor successfully reduced garnishment from 25% to 10% by demonstrating financial hardship.
Settlement
100%
Timeline
36 months
Original
$18,000
Final
$18,000
CollectorSettled
Collector Accepted 65% Settlement for Quick Resolution
Creditor prioritized speed over full recovery, accepting $32K on $50K judgment within 60 days.
Settlement
65%
Timeline
60 days
Original
$50,000
Final
$32,500
What You Get (And Why These Stories Matter)
Real Results
See actual settlement amounts, timelines, and outcomes from real judgment cases.
Strategic Insights
Learn what strategies worked, what didn't, and why certain approaches succeeded.
Dual Perspective
Cases from both collector and debtor viewpoints showing balanced resolution approaches.
Actionable Lessons
Key takeaways and practical lessons you can apply to your own judgment situations.
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