Tag Archives: judgment proof

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 [...]

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 DebtCollectionAnswers.com: 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 [...]

I’m 69 And Lost My Job But I Want to Pay My Debts. – Chuck

Chuck “Dear Steve, I am 69. lost my job of 15 years 6 months ago. Am on SS and work odd jobs when I can. Have 56,000 credit card debt, Was ok while working but now am 6 months behind on large accounts, have been struggling to keep others current. I called credit repayment plan [...]

My Elderly Mother Just Got Sued by Citibank. I Think She’s Judgment Proof. – Kay

“Dear Steve, I asked a question a few months ago about my elderly mother’s sitation, I am her caregiver, (see link in background info of this form). Yesterday Friday 4.8 she was served with papers by Michael J. Scott representing Citibank and has 20 days to respond. My mother is judgement proof her only income [...]

What is the Process to Become Judgment Proof? – Patricia

I have already consulted a lawyer re filing bankruptcy, but he told me that because I receive nothing but a SS Disability Check, that I was judgement proof. However, he didn’t tell me if I am supposed to file this with the court, or just let the creditors figure it out for themselves? Surely, there [...]

Collection Proof in the State of Georgia? – Bernard

No assets ,only Social Security,11 year old Car, home foreclosed,job outsourced,unemployed,Diabetes,Prostate Problems,Cataract,Pituitary Adenoma,Health Conditions,in seventies. Being sued for Credit card debt in court. What options do I have in getting rid of this problem. Am I judgement proof in State of Georgia Bernard Click here to help people to get out of debt. This reader [...]

I Am the Caregiver for My Elderly Mother Who Owes Discover, Citi and Chase. – Kay

“Dear Steve, My elderly mother for whom I am caregiver and have power of attorney is in debt to three credit cards (Discover, Citi, Chase) and has a total income of $2,000 a month from social security and a pension, due to a combination of depleted savings, rising costs, and other expenses, etc. we can [...]

Can I Be Sued and My Wages Garnished if I Make $70 a Week? – Karylan

Karylan “Dear Steve, I am 24 yrs old living at home with my mom and might be getting sued by capital one. I work at a grocery store about 8 hrs a week sometimes not even that. I have had no luck finding a stable job, i might have to quit the one i have [...]

What Can Toyota Do to My Parents? – Steve

“Dear Steve, question regarding my parents who are senior citizens and have not assets my parents have a car that they can no longer afford to make monthly payments on. I believe toyota motor is going to repossess the car and I assume they will sell it at auction. My parents have no money to [...]

I Was Told I Was Judgment Proof. – Cynthia

“Dear Steve, I have been told I am “Judgement proof”…I am trying to find information that would give me a scenario of what the process is/does. I have just recently begun non-payment to creditors.. Is this a long process? and would filing a Chp 7 make it simpler? Cynthia” The Answer: Dear Cynthia, Judgment proof [...]

Bankruptcy Attorney Said I’m Judgment Proof and Should Not Bother With Bankruptcy. – John

“Dear Steve, I have $39,000 in credit card and unsecured loan debt due to becoming disabled with Parkinson’s in 2007. Unfortunately, I used credit lines to make ends meet, and now I am at the point of no return. Of the $39,000, $30,000 is to 2 companies (HSBC and Chase). One will not work with [...]

I’m Worried About Having My Social Security Benefits Garnished. – Lisa

“Dear Steve, Hello, I found your website online by doing a search on Google. I truly hope you can help me. My question relates to a debt (one of many) that I can’t pay. Around the first week of Jan. 2010, I was served with papers for a credit card debt. It is an account [...]

I’m a Low Income Single Mother With a Disabled Son and Collectors are Chasing Me. – Milla

Milla “Dear Steve, I had a car that was repossed around 2005. The car was sold but the creditors are coming after me saying I have to pay around 7,00 with interest of $43 monthly. They had the sheriff come to my home with some court papers. I also had to fill out some papers [...]

My Dad Only Gets Social Security And Can’t Pay His Credit Card. – Nancy

“Dear Steve, I am asking for my dad he is retired and the only income he has is his ss check. He has a credit card that he can’t afford to pay for and is afraid that they will freeze his checking account. Can they do that Nancy” The Answer:   Dear Nancy, Since it [...]

Am I Judgment Proof? – Larry

“Dear Steve, I am on Soc Sec Disability (SSDI). I have over $10K in credit card debt. I have no other debts, loans, no student loans, no child support and no taxes due. I have 3 cars which I owe no money on (two 1999 models and a 1991 model) that may come to a [...]