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Debt Collector Judgment: Don't Ignore It! (Wage Garnishment, Bank Levy, and Liens Explained)

What happens if you have a debt collection judgment entered against you and you ignore it? Once a creditor obtains a civil judgment, they get a whole bunch more power to collect from you.

In this video, Arizona attorney John Skiba (The Consumer Warrior) breaks down the 4 powerful ways debt collectors will attempt to collect on the balance and exactly what you need to watch out for.

VIDEO CHAPTERS

00:00 - The Power of a Judgment
01:25 - Wage Garnishment
03:31 - How Bank Levies (Account Freezes) Work
05:19 - Recording the Judgement
06:37 - Writ of General Execution

The 4 Consequences of a Debt Judgment

Wage Garnishment: They get a writ served on your employer to withhold a portion of each paycheck. Learn how much they can take and why bankruptcy is often the only way to stop it.
Bank Levy (Account Freeze): A one-time "fishing expedition" to seize non-exempt funds from your bank account. We explain bank levy exemptions (over $5,000 for individuals in Arizona as of 2025).
Real Estate Lien: The judgment is recorded as a lien against any real estate you own in that county, which must be paid if you sell or refinance. Learn how a Chapter 7 or Chapter 13 bankruptcy can potentially remove the lien.
Writ of General Execution: The less common, more cumbersome method to seize non-exempt personal property (like vehicles or brokerage accounts).

⚠️ Judgments last a long time (10 years in Arizona and renewable) and accrue interest! You cannot afford to ignore this. Your credit report acts as a roadmap for collectors, so you must act quickly to settle or seek legal counsel.

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FREE CONSULTATION LINKS ⬇️

🌵 ARIZONA residents ONLY
https://consumerwarrior.cliogrow.com/...

✅ NON-ARIZONA residents
https://swiy.co/JohnSkiba

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LEGAL DISCLAIMER

The information provided on this YouTube channel is not legal advice and is offered for informational purposes only. You should seek out an attorney to seek legal advice on your legal issue.

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