Even with a judgment, you have several potential options. The Kugel Law Firm can help you explore these, which may include negotiating a settlement with the creditor to pay a reduced amount, identifying and protecting your exempt assets from being seized, assessing if there were any irregularities in how the judgment was obtained that could lead to it being vacated, or evaluating whether bankruptcy is a suitable solution to discharge the debt. Contact us for a detailed review of your case.