| Do it BEFORE they win judgments. Getting rid of the existing 2 will cause you or your lawyer enough extra work as it is, getting rid of FOUR would just compound the problem. Once you file BK and get your discharge, then you must file with the local courts to have those judgments vacated.
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"Knowledge is Power - use it as you see fit !
I am not a lawyer or a member of the legal profession. My advice is based on research and experience, my own and others, some who practice law. You decide for yourself what actions you do or do not take from my advice.
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