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Post Judgment Debt Defense

My bank account is frozen and I cannot pay for my medication. My mortgage payment is coming up in a few days and it will bounce because my checking account is garnished.

The Sheriff just came to my house with a writ of execution. He said there is a judgment against me and that my house will be sold at auction to pay the judgment creditor. Are they allowed to do that?

I got sued years ago for $5,000.00, but now this debt buyer is trying to collect $8,000.00 on the same judgment.

I just got a notice from the clerk of the court that there is a judgment against me. I never knew anything about it. Can you help?

The courthouse is full of debt collection lawsuits. Sometimes the defendant debtors know about the lawsuit, but very often they do not. What happens when a debt collection lawsuit is filed against you? Did you know that you are entitled to due process? That means that you are entitled to get proper notice of the lawsuit. If you were not properly served with the original petition, your right to due process may have been violated.

For consumers who knew nothing about a lawsuit, and suddenly they find that their assets are frozen, there is often a feeling of helplessness. At Karni Law Firm, P.C., we have helped consumers dissolve the writs of garnishment that result in bank accounts being frozen or seized. We have helped consumers quash or avoid post-judgment depositions. We have successfully helped consumers avoid the sheriff’s sale of their non-exempt real-estate.

There are several legal issues that we examine when a consumer calls about post judgment collection issues. Usually, the consumers are in crisis mode and are fearful that they will lose everything. Below you will find a list of judgment creditors, debt buyers, debt collectors, and law firms that we have dealt with in the past, both in debt collection litigation and post-judgment defense. If you are dealing with post judgment collections, call our office for a free 15 minute telephone consultation.

  • Equable Ascent Financial
  • Hilco Receivables
  • Merriman Investments, LLC
  • Encore
  • Main Street Recovery
  • FIA Card Services
  • Unifund CCR Partners
  • Bluebonnet Financial
  • James West
  • HSBC
  • Capital One Bank
  • Christopher Ayres
  • National Judgment Recovery Center
  • SOCA Funding
  • Eltman, Eltman & Cooper
  • Dodeka
  • Pharia
  • Lutea
  • Alasia
  • Weinstein & Riley
  • Couch, Conville & Blitt
  • Providian National Bank
  • Palisades Collection, LLC
  • Midland Funding
  • LVNV Funding
  • American Express Centurion
  • Porfolio Recovery Associates
  • Asset Acceptance
  • Anh Regent
  • Michael Moss
  • Brown Law
  • Hull & Associates
  • Fulton, Friedman & Gullace
  • Citibank
  • Michael J. Scott
  • Nancy Holding
  • Investment Retrievers
  • Arrow Financial
  • Grupo Ariel

Contact us at:


4635 Southwest Freeway Suite 645
Houston, Texas 77027
Phone: 713-552-0008
Fax: 713-454-7247

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Handling Consumer Rights throughout the State of Texas: Houston, Galveston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Lubbock, Garland, Irving, Amarillo, Grand Prairie, Brownsville, Pasadena, McKinney, Mesquite, Killeen, Frisco, McAllen, Waco, Carrollton, Midland, Denton, Abilene, Beaumont, Odessa, Round Rock, The Woodlands, Wichita Falls, Richardson, Lewisville, Tyler, Pearland, College Station, San Angelo, Allen League City, Sugar Land, Longview, Mission, Edinburg, Bryan, Baytown, Pharr, Temple, Missouri City, Flower Mound, North Richland Hills, Atascocita, Harlingen, Victoria, New Braunfels, Conroe, Cedar Park, Mansfield, Rowlett, Georgetown, Spring, Katy, San Marcos, Port Arthur, Pflugerville, Euless, DeSoto, Grapevine