Judgment Against You?
Here's How to Stop the Bleeding and Take Back Control
Lawful strategies to reduce burden, structure payment plans, negotiate settlements, and rebuild stability after a civil judgment.
Your First 72 Hours: Triage & Stabilization
Take control immediately with this proven triage sequence designed to stabilize your situation and prepare for resolution.
Gather & Organize Documents
Collect judgment paperwork, account statements, and income documentation. Build your case file immediately.
Calculate True Affordability
Use the budget planner to determine realistic payment capacity and protect essential expenses.
Understand Your Options
Learn about settlements, payment plans, exemptions, and negotiation paths available to you.
Build Your Offer Package
Create a documented settlement or payment plan proposal with supporting evidence and clear terms.
Resolution Tools & Resources
Practical tools, templates, and guides to help you negotiate, document, and resolve your judgment.
Affordability Planner
Calculate realistic payment capacity while protecting essential living expenses.
Settlement Request Templates
Professional settlement request letters with documentation checklists.
Payment Plan Calculator
Model payment plan scenarios and compare settlement vs. plan options.
Negotiation Tracker
Track offers, responses, deadlines, and communication in one organized system.
Communication Scripts
De-escalation scripts for phone, email, and text communication with creditors.
Recovery Guide
Complete post-judgment recovery roadmap with negotiation paths and stability rebuild.
Get the Debtor First 72 Hours Checklist
A step-by-step triage checklist for immediate stabilization. Know exactly what to do, what to avoid, and how to prepare for negotiation.
Get the Free Checklist Now →No credit card required. Instant download.
Complete Resolution Toolkits
Professional templates, trackers, and guides for structured judgment resolution.
Resolution Pro
Advanced templates, stability workbook, and credit rebuild.
See What's Inside →Education Only: This platform provides educational resources and templates. We do not provide legal advice, negotiate on your behalf, or guarantee specific outcomes. Consult with a qualified attorney for legal guidance specific to your situation.