I absolutely cringe when I hear the term judgment proof. I originally wrote this blog several years ago. It makes more sense than ever now that the majority of phone calls I get are from debtors who are now facing post judgment collections. Just because you do not make a high income does not mean that the creditor cannot garnish a checking account, or create a cloud on title which can slow down the sale of your homestead.
The better question is can you afford not to hire one. Credit card lawsuits are filed en masse by a handful of law firms across the state. I’ve personally reviewed court files and seen one attorney file over 20 cases in one day in the same Justice of the Peace Court.
I’ve been sued by a creditor. Is Bankruptcy the only option?
Someone came to my house, maybe late in the evening or on a weekend. They were wearing civilian clothes and driving their personal car. They handed me some official looking papers stating that I was being sued by some company I’ve never heard of on an old credit card debt. Should I be concerned? Is this legitimate?