DAYTONA BEACH POST JUDGMENT CREDIT CARD DEBT ATTORNEY

We Help People Defend Themselves Against Post-Judgment Credit Card Debt in Daytona Beach

At My Affordable Attorney, our Daytona Beach post-judgment credit card debt attorney provides trusted, experienced legal representation for consumers facing aggressive collection efforts. If you were sued for credit card debt and a judgment was entered against you, you still have options. Our firm can help you protect your income, assert exemptions, challenge improper collection activity, and explore bankruptcy if needed.

Contact us today for a free, fully confidential consultation with a knowledgeable Florida debt defense lawyer.

What to Know About Post-Judgment Credit Card Debt in Florida

In Florida, creditors can sue consumers for delinquent credit card debt. However, obtaining a judgment is not the end of the process for the creditor—it is only the beginning of collection efforts. While a judgment does not guarantee payment, it gives the creditor powerful legal tools to pursue collection. As a result, consumers become especially vulnerable after a judgment is entered and should take prompt action to protect their rights.

Florida law allows judgment creditors to use several post-judgment collection methods, including:

• Wage garnishment
• Bank account levies
• Judgment liens on real property
• Post-judgment discovery requests requiring disclosure of financial information

One critical point for consumers to understand is the longevity of a judgment. In Florida, a money judgment for credit card debt is enforceable for 20 years from the date it is entered. In addition, creditors may be able to preserve or extend certain lien rights by filing a new action based on the existing judgment.

Because of the broad scope and long duration of these collection powers, consumers facing a judgment for credit card debt should understand their rights and options under Florida law as soon as possible.

You Still Have the Right to Raise a Defense

A judgment does not eliminate every available defense. Consumers may still challenge issues such as improper service of process, lack of jurisdiction, incorrect account balances, or collection activity that violates Florida law. In certain circumstances, a debtor may also file a motion to set aside a judgment if it was entered without proper notice or in violation of due process.

Importantly, statutory exemptions continue to apply even after a judgment is entered. Florida law provides strong protections for head of family wages, Social Security and other exempt income, and certain joint bank accounts. These exemptions can significantly limit a creditor’s ability to collect.

Finally, even after judgment, consumers may remain in a strong position to negotiate and resolve credit card debt for less than the full balance, particularly when exemptions or collection defenses reduce the creditor’s leverage.

Common Mistakes Consumers Make After a Credit Card Judgment

After a judgment is entered, many consumers unintentionally harm their case by:

• Ignoring post-judgment discovery requests
• Failing to assert wage or bank account exemptions
• Allowing default garnishments to continue unnecessarily
• Paying creditors without negotiating first
• Missing deadlines to challenge improper collection actions

Working with an experienced attorney early can help you avoid these costly mistakes.

Why Trust My Affordable Attorney for Post-Judgment Credit Card Debt Defense

Post-judgment credit card defense can be especially complicated. You do not have to take on the process alone. At My Affordable Attorney, we are committed to helping you keep as much money as possible in your pocket. Credit card debt is merely a problem to be resolved. We will invest the time and resources to explore every possible defense strategy.

Contact Our Daytona Beach Post-Judgment Credit Card Debt Attorney Today

At My Affordable Attorney, our Daytona Beach debt defense attorney has the experience to handle post-judgment credit card debt. If you have any questions about your rights or your options, please contact us today for a fully confidential case review. We represent consumers in post-judgment credit card debt cases in Daytona Beach and throughout the wider region in Florida.

Results depend on the facts of each case. Not every judgment can be eliminated, but many consumers have defenses, exemptions, or settlement options that significantly reduce the impact of post-judgment collection.