Latest Posts


Sallie Mae is Threatening to Garnish My SSDI Income. – Trudy


“Dear Steve, A few years ago I co-signed two private student loans for my son through Sallie Mae. I am disabled and receiving SSDI. My son has now defaulted on the loans and Sallie Mae is demanding payment from me. The loan is now with a collector who is threatening judgement. I live in the state of Hawaii. My son ... Read More »

Can My Creditors Take My Daughters Money From the Bank Account I Started for Her? – Beth


Divorce, Loss of Custody, Bankruptcy, lots of bad decisions, job loss — you name it. I lost my job 2 years ago and racked up a fair amount of debt. I also gained back custody of my oldest the year before she started college (still think it’s a plot by my ex) and thankfully, with my financial situation and her ... Read More »

I am disabiled am I judgement proof – Jeff


Hi I have worked every day of my life I am 48 every thing was going great till one day at work I fell 20 foot and messed up my low back I had been paying my credit cars on time and extra but when the accident happened I had surgery and I ended up in bad shape.I am totally ... Read More »

Now That I’m on Social Security Disability Can I Stop Paying My Judgment? – Wendy


“Dear Steve, Have been paying monthly credit card judgment for couple of years now, even though on long-term disability from work for most of that time. Recently, I was awarded Social Security Disability. My question is: Am I judgment proof now and can stop paying this credit card debt? Every penny is going to count. And if so, can I ... Read More »

Where Do I Put My Judgment in Line For My Debt Snowball? – Bret


In 2006 ,I went to work for a guy that wound up being a con artistTo make a long story short at the beginning of 2007,Ilooked up and found myself with $230 K in debt and no income.everything in 2007 went wrong and it wasnt until 2008 that I began reestablishing an income. I have since paid off all installment ... Read More »

I Have a Lot of Credit Card Debt, a Repossession and a Judgment. – Eric


“Dear Mitch, I have a lot of old credit card debt. Recently I had a repossession go to judgment in which I received a letter in the mail. I contacted the law firm but was not left felling comfortable.. They answered the phone by just saying “law office” , the person I spoke to seemed completely uniformed of anything. I ... Read More »

I Have an Old Judgment Against Me That Has Come Back Up. – James


“Dear Steve, I have a judgement against me from a credit card . I had considered bankruptcy at the time but never did. One credit company sued me and won a default judgement. For 10 years nothing happened, then it was bought by junk debt buyers and they renewed it. I live in Texas and it can be renewed . ... Read More »

What Does Judgment Proof Mean?


Q: What does it mean to be judgement proof, and how do I know if I am? Thank you. - Betty Reply from Great question Betty! Being judgment proof essentially means that you don’t own any property that could be seized or attached by creditors. If you were sued, the creditor or collector might successfully get a judgment against ... Read More »

My 95 Year old Mother is Struggling to Pay Her Credit Cards. – Jeanne


“Dear Damon, This is regarding my 95 year old (soon to be 96) about her massive credit card bill. Her only income is Social Security at about $1400 per month. She has many other bills and pays everything on time, but this leaves her with only about $200 left over per month. She does not own a home, has no ... Read More »

Discover Card Took My Car to Pay a Judgment Against Me. – Betty


“Dear Damon, I divorced in 3/1997. my ex was given our money from 401K to pay off credit card debts, the break down came from his attorney. 1998 he filed for bankruptcy and didn’t pay the credit card bills. 9/4/11 my car was seized for these past due debts, but they sent paperwork notifying me of this to an address ... Read More »

My Soon to Be Ex Neglected to Tell Me He Stopped Paying My Credit Cards. – Marcy


“Dear Steve, I have 2 credit cards totaling about $13K. I have a judgement against for not paying them for a year. My husband had told me that he was paying the monthly payments as I was on unemployment. He stopped paying and forget to tell me that. I am looking to get these paid off and be rid of ... Read More »

The Credit Card Company Levied My Bank Account and Took My Student Loan Money. – Lauren


“Dear Michael, I had a bad debit with a credit card company and it went to third party collections. A judgement was issued against me. I was on unemployment benefits at the time of the judgement, as well as going to school full time. I did not have the means to pay the debt. My bank account was garnished in ... Read More »

My Son Just Got Garnished for a Really Old Debt. – Bill


“Dear Steve, My son, who has always resided in Florida, had a GM credit card that was revoked in February, 1997. At some point, GM purportedly assigned their claim to Household Finance Corporation. Either GM or a purported assignee filed a collection action in 1998. My son was never served. They got a judgment (I assume the judgment was dated ... Read More »

We Just Got Hit With a Judgment for a 12 Year Old Debt in Florida. – Bill


“Dear Michael, Assignee of credit card issuer got judgment against my son in 1998 and recorded it in July 1998. Nothing happened for over ten years. In 2010 they filed a motion to garnish his pay, which was the first he knew of the judgment. I believe they were required to renew the judgment after five or seven years, which ... Read More »

I Have a Judgment Against Me by My Old Lawyer. But He Committed Suicide. Now How Do I Get Rid of This? – Rosemary


“Dear Steve, In Jan, 2005 went to lawyer to contest a divorce. No written contract. Charged me $2,500. I paid cash; got no receipt. Finally divorced in Jan 2007 after lawyer made many mistakes. Went on with my life. Then late 2010, got served w/ lawsuit for $5000 more from lawyer. Did not personally sue me; sued through his “corporation” ... Read More »

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