Vacating Default Judgments: Getting a Second Chance to Settle Your Debt - Daniel Straffi

From Straffi & Straffi Attorneys at Law – Vacating Default Judgments: Getting a Second Chance to Settle Your Debt explores how individuals in New Jersey can challenge default judgments, stop wage garnishments, and regain financial stability. This episode covers the key legal grounds and deadlines under New Jersey Court Rule 4:50-1, including how issues like improper service, excusable neglect, and meritorious defenses can reopen the door to fairer debt resolution.

We take a closer look at how default judgments impact everyday life — from wage garnishment under N.J.S. 2A:17-56 to sudden bank levies and long-term judgment liens that attach to real estate in Ocean County. You'll learn how debt collection lawsuits typically begin, what happens when they go unanswered, and why timing is critical in protecting your financial rights. Real-world examples help illustrate just how disruptive these legal tools can be — and how quickly action is required once a judgment is entered.

Attorney Daniel Straffi Jr., an experienced Ocean County debt negotiations lawyer and co-chair of the Bankruptcy Panel, provides insights into the practical process of vacating a judgment — from gathering documents to attending hearings in Toms River’s Superior Court. He also highlights the intersection of debt litigation and bankruptcy relief in New Jersey, including how Chapter 7 and Chapter 13 filings can halt collections and potentially discharge judgment debts through the federal bankruptcy courts in Newark, Trenton, and Camden.

Whether you're facing an old debt, believe a judgment was entered unfairly, or want to explore options like settlement or lien avoidance, this episode offers critical guidance. Learn how Straffi & Straffi Attorneys at Law empowers clients to take back control and build a path toward lasting financial relief. Don’t wait — discover your second chance to settle smarter.

Straffi & Straffi Attorneys at Law

670 Commons Way, Toms River, NJ 08755, United States

(732) 341-3800

https://www.google.com/maps?cid=18340758732161592314