 TITLE: Does Bankruptcy Get Rid of Judgments? CONTENT: Where Do Judgments Come From?\n-----------------------------\nThere are a variety of ways judgments can be rendered against you in response to creditor litigation or other legal actions.\n*   **A confession of judgment** is a document in which you acknowledge liability for the debt. Creditors often require you to sign one as a condition of entering a repayment plan, with the understanding that they will use it to secure a judgment if you don't stick to the plan.\n*   **A judgment by default** is the result of you failing to (or choosing not to) respond to a creditor's lawsuit.\n*   **A judgment by consent** occurs when you respond to a creditor's suit by accepting responsibility for the debt.\n*   **A judgment after trial** occurs when you and your creditor argue your case before a court, and the court finds you liable for the debt.\nWhen you file for bankruptcy, holders of judgments against you are required to stop efforts to collect what you owe them, so any wage garnishments or collections from bank accounts must cease. Any pending lawsuits seeking judgments against you are also suspended, and typically dismissed or withdrawn upon completion of the bankruptcy process. END