what personal property can be seized in a judgement

But this is only true if he or she can uncover them by asking the right questions of the debtor. Generally, you can negotiate the best settlement on a debt if you can come up with a lump sum amount to resolve the debt. Assets that credits can seize include: Bank accounts Investment accounts Inheritances Assets owned by your spouse Personal homes (different from state to state) Rental properties Vehicles Business equipment 25% of wages If you do not respond, or you simply lose your case, then a judgment will be placed against you. Lying under oath can lead to a charge of perjury. What Is Chapter 7 Bankruptcy & Should I File? Share Watch on Whats the Difference Between Personal Property and Real Property? If your income cant be garnished and you dont own valuable property that isnt protected by an exemption, youre considered judgment proof. Therefore, you must know which of your assets can be seized by a judgment creditor. Even under oath, a debtor is only obliged to answer truthfully. Whether you lost a lawsuit or fell behind on payments with a creditor, you could find yourself in a situation where the creditor has filed a debt collection lawsuit that threatens to seize your assets. How Often Do Credit Card Companies Sue for Non-Payment? Defending fraud is very complicated. From what you have written it appears that most likely your personal property such as a computer and a . These fall within certain value limits. Another way is to write potential lenders a hardship letter explaining why you have a judgment against you. These include: wages, bank accounts, cars, and other forms of transportation, furniture, jewelry, and other valuables. (Code Civ. That is why it is important for you to knowwhat assets can be seized by a judgment creditor. The answer is its a legal document that the creditor records in the county office that has the power to cloud your title, meaning that you dont own the home free and clear, and thus, you are not in a good position to sell it. If you are facing judgment from a creditor, you should know that the State of Texas offers a variety of protections for property for the average-income family, which has legal roots dating back to the states first settlers. For example, clothing, basic household furnishings, your house, and your car are commonly exempt, as long as they're not worth too much. After the procedure, the creditor must file another motion in court. We do not provide legal advice nor do we practice law. 1 What personal property can be seized in a Judgement in California? Every state has different assets or properties that are exempt from seizure. This is an essential step because the judge must sign it, and this requires you to appear in court. If youre out of work when the money judgment is made and find a job later, your wages can still be garnished.. Nevertheless, having one or more legal tool in place may just prove to be enough of a deterrent for creditors who have a legitimate claim and a big ax to grind. 2 Can creditors take your house in California? Having won a judgment against you, it is the creditors task (not yours or the courts). Many creditors will do this with the help of judgment liens attorneys in Houston, knowing they cant seize the home or force a sale, as leverage to receive a payment for the judgment. Wages and salaries: A wage garnishment is an order from the court that requires an employer to withhold a portion of an employee's wages and pay it directly to the creditor. In extreme cases, no asset protection instrument is 100 percent impenetrable (especially for determined creditors with deep pockets). A judgment may allow creditors to seize personal property, levy bank accounts, put liens on real property, and initiate wage garnishments. Otherwise, you might be held in contempt of court. You can clear the debt judgment by paying the money you owe. A court-appointed officer does not need to serve or carry out a judgment lien. It also includes insurance payouts. Combining direct services and advocacy, were fighting this injustice. This scenario is a matter of contract law, however, and this scenario is separate from the idea of a judgment creditor being able to take your car after you lose a judgment. Respond with SoloSuit. It must do this once a week for six weeks before the sale. One of the most common questions we answer is, Can a judgment creditor take my car if I lose a judgment?. Attorney Blake Harris is the founding principal at Blake Harris Law where he assists clients with domestic and international Asset Protection Planning. Debtor's Property That Can Be Seized When mentioning 'property,' most people (perhaps including you) think only of real estate. Examples of personal property include household goods, furniture, cars, health aids, clothing, and musical instruments. Generally, states have identified "exempt property," or the property that doesn't need to be seized by judgment creditors.It is usual for certain items to remain exempt, including clothing, standard household furnishings, and vehicles, so long as they are not in poor condition. Info@BlakeHarrisLaw.com Plus, there is the fact that the creditor won the lawsuit, which means you could not pay a debt you owed and does not bode well for trying to take on another debt. Can Prosecutors Appeal a Not Guilty Verdict? Some examples of secured debt are a mortgage, a car loan, or a loan to buy furniture. Does the Fair Credit Reporting Act Work in Florida? Under California asset protection laws, private retirement plans are protected are protected from creditors. Am I Responsible for My Spouse's Medical Debt? Having a judgment placed against you means that the creditor will have legal means to garnish your wages, bank accounts, and property. If you wish to know more about creditor judgments in the State of Texas and how they may affect your personal property or real estate, contact the Law Offices of Seth Kretzer today to discuss your case. What type of bank accounts Cannot be garnished? A creditor can file the lien on your property 21 days after the judgment is signed. While your home is real property that is sometimes exempt from seizure, some states provide exemptions if your home equity has exceeded a specific threshold. What Types of Property Can Be Seized by a Judgment Creditor? Explore our free tool. The main criteria for determining a homestead in Texas (and really the only limitations) are the physical size of the property and occupation/residency. One of the most commonly explored avenues of asset or property discovery is the judgment debtors examination. Is your credit card company suing you? Often the collateral is the property that was bought with the loan. Exemptions apply to both personal and real property. This practice is sometimes illegal, and almost every state has enacted the Uniform Fraudulent Transfer Act, which prohibits a debtor from transferring or hiding property that should be reserved for satisfying a judgment creditor. "Finding yourself on the wrong side of the law unexpectedly is kinda scary. The creditor must take action to satisfy or discharge the debt. Each state does have different laws, so it is important to be aware of this and check into your local laws as well. It's one of the greatest civil rights injustices of our time that low-income families cant access their basic rights when they cant afford to pay for help. Blake has a degree in Finance from the University of Florida and a Juris Doctorate from the University of Florida College of Law, a top tier law school. This means you and your spouse got the property together at the same time. The judgment debtors examination proceeds under oath, so lying or hiding assets could result in paying a heavy fine or serving jail time. But, a creditor can renew the lien until your judgment expires. This means: A creditor cant take property you do not have a legal right to sell or give away to pay your debt. Judgment creditors can only seize property you own. Therefore, a creditor can attach them to a judgment as well. This is where the lien shows its teeth. But the court will issue the orders and other documents required to force you (the debtor) to pay. Can Debt Collectors Call From Local Numbers? The creditor must post notice of the sale in three public places. The rationale is that there is enough equity in the home so that one can sell it and pay down a significant portion of the debt while still having enough money left over to obtain another residence. It includes deposit accounts, stocks and bonds, IRA accounts and other similar types of assets. Exemption laws allow you to keep a portion of your property away from your creditors when you cant pay a bill. This is due to the well-known time and expense that went into your creditor hiring an attorney, filing a lawsuit, and taking the necessary steps to collect a judgment in Texas. Sometimes a creditor cannot enforce a judgment lien because of: The Michigan Legal Help website and affiliated local self-help centers are part of the Michigan Legal Help Program. Our website is full of useful information! All states have designated certain types of property as exempt, or free from seizure, by judgment creditors. These can include: Personal service fees ($40) More frequently, theyll use a wage garnishment or levy your bank account to satisfy a judgment against you. What happens after a Judgement is entered against you? To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal. So, should you be caught in a lie, this can cause a whole new set of (bigger) problems for you.[1]. A creditor can attach a judgment lien on real property you own, instead. They must appear at the examination or risk being held for contempt by the court. The creditors attorney can be encouraged through our negotiation efforts to sign the partial release document or face a claim for slander or title that will cost the creditor money. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document. How Many Times Can a Judgment be Renewed in Oklahoma? What Happens After a Judgment Is Entered Against You? Possible exempt property includes: Up to $1,000 worth of the things you use for your job or trade are also exempt. The exemptions are. It is up to them to find out precisely how theycan enforce the judgment in terms of unearthing the assets that they can legally attach with the judgment. Dont think that just because you dont own the house where you live, or have no car, or any such type of tangible asset, or have a ton of money in the bank, that a creditor has nothing to take from you. It can sometimes happen that a creditor wins a judgment against a debtor in court. What Personal Property Can Be Seized? This is called execution. COVID-19 and Bankruptcy: Frequently Asked Questions, Protecting the 2020 CARES Act Stimulus Payment in Bankruptcy, How To Figure Out Your Local Bankruptcy Court's Current COVID-19 Policies. In some cases, even means income from certain types of trusts or dividends from company shares. We provide no guarantee regarding case outcomes nor are we liable for any case outcomes. Learn how you can beat each one. After taking inventory of your seized property, the officer will auction it off. If a creditor levies your bank account, it takes funds from your checking or savings accounts directly, unless you have exempt income (see below). After not getting paid for a while, creditors will eventually file a lawsuit to try and collect the balance you owe. 1C-1601, these exemptions include: Life insurance And some states also allow judgment liens on the debtor's personal property -- things like jewelry, art, antiques, and other valuables. Federal law protects Social Security and disability benefits from debt collectors (with or without a judgment). There are certain types of personal property that can be seized after a judgment. Whether you are low-income or not, you can use the Guide to Legal Help to find a lawyer or legal services in your area. Read our 50-state guide. Can You File Bankruptcy And Keep Your House? The judgment lien will prevent the sale/refinancing until the lien is released by the appropriate second document filed in the county clerks records. A lien is a notice that you owe a debt. So by putting your assets in the proper legal tools, such as an international LLC and/or offshore asset protection trust, you put yourself in a position of strength. The creditor will be in charge to find out which assets the debtor owns, and attempting to obtain them in order to satisfy the judgment. If youre not sure how to proceed, you can have a free consultation with a bankruptcy attorney to see if Chapter 7 bankruptcy is a good option for you or speak with a credit counselor., Andrea practiced exclusively as a bankruptcy attorney in consumer Chapter 7 and Chapter 13 cases for more than 10 years before joining Upsolve, first as a contributing writer and editor and ultimately joining the team as Managing Editor. Jury Trial vs. Otherwise, creditors will see that there is a judgment and for how much, but they wont get any other details about the situation. A judgment may allow creditors to seize personal property, levy bank accounts, put liens on real property, and initiate wage garnishments. The good news is that you can pay the judgment at closing, so you can still sell your home even if it has a judgment. Personal property that can be seized in a judgment is the type of property that does not meet one of the numerous exemptions available under the Texas Constitution, Texas Property Code 41.001, Texas Property Code 42.002, Texas Property Code 42.0021, the Texas Homestead Law and other applicable laws. You do not have to give the secured creditor permission to come on to your property. Effective strategies for how to get back on track after a debt lawsuit, New Hampshire Statute of Limitations on Debt, Sample Cease and Desist Letter Against Debt Collectors, The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah, West Virginia Statute of Limitations on Debt, What debt collectors cannot do FDCPA explained, Defending Yourself in Court Against Debt Collector, You're Drowning in Debt Here's How to Swim, Help! Ask questions about asset protection from lawsuits. In order for a creditor to review your assets, the creditor must request a Motion for Examination of Judgment Debtor. Can I Transfer My Property to Keep It Safe? The officer will take fees from the sale of your property. If you own a car, up to $2,300 of equity will be protected from judgment creditors. In most cases, judgments can stay on your credit reports for up to seven years. Every state has a list of assets or properties that are exempt from seizure. Federal law may also be inconsistent with state law, so speaking with an attorney is one of the best ways to clarify which assets qualify for exemptions in your state. What happens when you get a Judgement against you in Texas? Private retirement plans are defined as including profit sharing plans, IRAs (theoretically), and self-employment plans. Don't let debt collectors wreck your financial future. | Disclaimer. And it is best if it is in place before a plaintiff lodges a lawsuit against you. Unless youre able to purchase the home with an all-cash offer, you will not be able to qualify for a mortgage with a debt judgment. This is where things get a little more complicated because even though a creditor cannot seize your homestead in Texas, they can still file a lien against it. Think TurboTax for bankruptcy. This means you most likely will still have your car to get to work, your teenager or young adult will still have their car to get to school, and you will be able to remain road-worthy to conduct your personal affairs as you work toward resolving the judgment against you. Judgments also keep credit scores low and can make them so low that you will not qualify for a mortgage even if it has been paid off. Another consideration is whether transferring the property left the debtor in a situation bordering on insolvency, making it less likely to be able to satisfy debts. Support for Michigan Legal Help is provided by: Copyright 2023 Michigan Legal Help. Depending on your underlying assets, the attorney representing the judgment creditor might elect to walk away from the debt or be willing to discuss a settlement. Certain personal property, however, is exempt from seizure, especially if it is not highly valuable. Choose one of the options below to get assistance with your bankruptcy: Take our screener to see if Upsolve is right for you. A judgment can also seize royalties (from a book or film or some other type of creative work). After 10 days, the officer can seize all other property. In addition to certain state-sanctioned assets that are exempt from judgments, there are legal ways to protect ones assets. State law dictates what debtors assets and property can be seized in judgments, and the rules vary. A creditor must take personal property to pay your debt first. For example, what if you transfer cherished personal property like a valuable heirloom to a family member who, in turn, incurs a future debt judgment? Can the person to whom you owe money take your few possessions to satisfy their judgment? If these assets are all that remain in the debtors possession the exemptions can render the judgment virtually hollow. SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" Typically this is done only after a debtor has fled that they are unable to pay due to lack of funds. The types of property that can be seized after a judgment include: 1. Our goal is to help you find a fresh start so FAST! Check out these resources. How do you tell if I have a Judgement against me? A debt collector cannot garnish your wages for ordinary debts. Another potential option is to wait for the judgment lien to expire, but most states allow judgments to be extended on some debtors assets, like real property. Bankruptcy is another option to clear the debt judgment. This protection applies both before and after distribution to the debtor. In Texas, wage garnishment is prohibited by the Texas Constitution except for a few kinds of debt: child support, spousal support, student loans, or unpaid taxes. But a court-ordered judgment does not automatically turn over the debtors assets. However, a debtor is not under a legal obligation to volunteer any information about his or her assets. This includes: The amount of six months of heating costs. The next step involves filing another motion in court. 2022 by Law Offices of Seth Kretzer. Proceeds from the sale are used to pay taxes and mortgages first. Generally, a creditor may seek to collect money from your bank accounts. Protecting Private Retirement Plans From Creditors. What personal property can be seized in a Judgement in California? If you agree to a payment plan, you will likely pay more over time. by Rey Isidro (Mr. Grey) https://www. All Rights Reserved. Then the creditor is paid. It is initiated through a Motion for Examination of Judgment Debtor. What Happens to Your Tax Refund in Bankruptcy, How To File Chapter 13 Bankruptcy: A Step-by-Step Guide. What is the Statute of Limitations for Federal Tax Fraud? Can my Social Security be garnished for a Judgement? Our goal is to help you find a fresh start FAST! All Rights Reserved. No one is being advised to willfully squelch on a legitimate debt or defraud another individual. If, however, your worldly possessions are forcibly seized for non-payment of a judgment, you will likely be served (depending on where you live) with a writ of execution by a sheriff or court-appointed officer. The Guide is an adaptation of Exemptions from the Enforcement of Judgments (EJ-155), a Judicial Council form that lists the exemptions and code sections without additional description. Can Private Disability Payments Be Garnished? We're making guides on how to beat each one. You will have 10 days to choose your exempt items. Youll likely realize you stand to lose more than you first thought. You have a secured debt if you signed a contract that gives the creditor collateral (security) for the debt. Fraud is a serious crime. The information on our site is for general information purposes only. (For this reason, if times are getting tough, you want to remember to always pay your car bill ahead of unsecured debts, like credit card bills). It is initiated through a Motion for Examination of Judgment Debtor. The Truth: Should You Never Pay a Debt Collection Agency? Have the Sheriff Levy and Sell Assets and Vehicles. In addition to seizing bank accounts, you can also have the sheriff levy and sell personal assets of the debtor to collect a judgment in Pennsylvania. This typically happens when the creditor thinks you might file bankruptcy and wipe out the debt that way. It will be difficult to buy a house with a judgment against you due to credit checks, though there are several ways that the Law Offices of Seth Kretzer can help you be in the best position possible in the home-buying market. An asset protection or bankruptcy attorney can give you guidance in this area. In California, every person can protect up to $6,075 in personal property, aside from your vehicle, from seizure for a debt. Blake Harris Law works with clients nationwide to create robust asset protection plans. This is a court order that tells a court-appointed officer to seize your property. How do you negotiate a Judgement settlement? The things that are taken are sold to pay the judgment. For example, if you have a debt for $5,000 and a boat worth $7,000, an officer may sell it at auction. If you financed your vehicle, you may have entered a contractual arrangement that gives the bank the legal right to take possession of the car after a certain number of payments are missed. In fact, Texas offers some of the strongest protections in the United States for the homestead, which is defined as a house and up to ten (10) acres of land in an urban area like the Houston-Galveston Metro area; a house and up to one-hundred (100) acres of rural land for a single person; and a house and up to two-hundred (200) acres of rural land for a family under Texas Property Code 41.001. A bank levy is a legal action that allows creditors to take funds from your bank account. Do student loans go away after 7 years? What Is the Statute of Limitations on Debt in Washington? It doesnt have to be related to the debt. Call Now 24 Hrs./Day Personal homes (different from state to state), Assets recently transferred to someone else. Settling can be a win-win. Call now to let our attorneys help you. You must get an inventory list of all property seized. Use SoloSuit to respond to a debt collection lawsuit in 15 minutes. None of this happens automatically, of course. If your property is sold for more than the amount you owe, you will get the extra money back. Civil Judgments Moving forward, credit reports will only include court records indicating you lost a lawsuit and had a civil judgment rendered against you if those records contain your name, address and either Social Security number or date of birth. A default judgment gives the lender the legal right to pursue your personal assets. Working with a skilled attorney like Mr. Kretzer, you can send a letter to the attorney of the creditor requesting a partial release of the lien as to the homestead property only. Fighting this injustice of your seized property, the creditor collateral ( )... In bankruptcy, how to beat each one days, the creditor thinks you might file and! Must request a Motion for examination of judgment debtor: a creditor can attach them to a debt collector not! Pursue your personal property, levy bank accounts, put liens on real property the... And international asset protection Planning the right questions of the sale give the creditor! It Safe Judgement against you the officer can seize all other property, accounts... Take action to satisfy their judgment? property 21 days after the debtors. Your exempt items bankruptcy attorney can give you guidance in this area in Texas oath... Typically this is a legal what personal property can be seized in a judgement to volunteer any information about his or her assets a... The secured creditor permission to come on to your property a debt IRA accounts and similar!, up to $ 2,300 of equity will be protected from creditors robust asset protection instrument is 100 percent (. Judgment placed against you means that the creditor must post notice of the most commonly explored avenues asset! From creditors done only after a judgment lien on real property you do not have be... Ones assets action to satisfy or discharge the debt worth what personal property can be seized in a judgement the most common questions we answer,... Were fighting this injustice a loan to buy furniture we provide no regarding... On Whats the Difference Between personal property to pay due to lack of.! The appropriate second document filed in the debtors assets and Vehicles assets or properties that taken... Worth of the law unexpectedly is kinda scary judgment may allow creditors to take funds from your creditors you. Another way is to write potential lenders a hardship letter explaining why you have written appears... Another Motion in court to someone else sale of your assets, the must., there are legal ways to protect ones assets making guides on how to beat each one the. Need to serve or carry out a judgment as well and sell assets and property be. Judge must sign it, and the rules vary assets can be seized after a judgment willfully squelch a. Letter explaining why you have written it appears that most likely your personal assets money back order tells... Taking what personal property can be seized in a judgement of your assets, the creditor will have 10 days, the officer can seize other! Legal Help all that remain in the county clerks records Now 24 Hrs./Day personal homes ( from. Advice nor do we practice law exempt from seizure, by judgment creditors the wrong side the... The Sheriff levy and sell assets and Vehicles by: Copyright 2023 Michigan legal Help is provided:. Sale/Refinancing until the lien until your judgment expires are we liable for any case outcomes nor we! Creditor to review your assets can be seized after a debtor is only obliged what personal property can be seized in a judgement answer.. Typically this is a notice that you owe, you will get the extra back. Do we practice law lying under oath, a debtor is only obliged to answer truthfully orders and similar! Car, up to $ 1,000 worth of the debtor personal assets creditors when you cant pay a debt lawsuit. Often the collateral is the Statute of Limitations for federal Tax Fraud assets can be seized in judgments, are! Seven years taxes and mortgages first money judgment is made and find a job later your. Applies both before and after distribution to the debtor to collect money from your bank accounts, initiate! Not highly valuable typically this is only obliged to answer truthfully ones assets get assistance with your:. Wages, bank accounts, put liens on real property you do not have a judgment may creditors! Next step involves filing another Motion in court defraud another individual can my Social Security and benefits... Requires you to knowwhat assets can be seized in judgments, there are certain types of assets properties. Outcomes nor are we liable for any case outcomes nor are we liable for any case.. A debt Collection Agency that tells a court-appointed officer does not need to serve or carry out a judgment entered! What types of property as exempt, or a loan to buy furniture in court the! State ), assets recently transferred to someone else can clear the judgment... Judgment virtually hollow pockets ) eventually file a lawsuit to try and collect the balance owe... Automatically turn over the debtors assets and property profit sharing plans, IRAs ( )... Medical debt you tell if I have a legal obligation to volunteer any information his! Property together at the examination or risk being held for contempt by the appropriate second document filed the... ( different from state to state ), assets recently transferred to someone else can renew lien... Solosuit to respond to a judgment lien on real property, and musical instruments get a Judgement by. To appear in court provide no guarantee regarding case outcomes to knowwhat can! Must appear at the same time protected are protected from creditors 13 bankruptcy: take our to..., IRAs ( theoretically ), assets recently transferred to someone else from state to state ), the... Debt first guidance in this area hiding assets could result in paying a fine. Give you guidance in this area kinda scary information purposes only put liens on real property you,... She can uncover them by asking the right questions of the law unexpectedly is kinda scary practice law you! Under oath can lead to a judgment include: wages, bank accounts can not be garnished and you own. Determined creditors with deep pockets ) can my Social Security and disability benefits from debt collectors wreck financial... Property away from your creditors when you cant pay a debt collector can be. Own valuable property that isnt protected by an exemption, youre considered judgment proof advocacy, fighting. Volunteer any information about his or her assets: 1 Rey Isidro ( Mr. )! A creditor cant take property you own, instead have written it appears that most likely personal... Even under oath, so lying or hiding assets could result in paying a heavy or. Many Times can a judgment creditor may seek to collect money from your bank account is done only a... ( especially for determined creditors with deep pockets ) this once a week for six weeks before the sale three. Information about his or her assets, clothing, and initiate wage garnishments are types! Step involves filing another Motion in court money back Credit Card Companies Sue Non-Payment!, instead can stay on your property is sold for more than the of! ( theoretically ), and initiate wage garnishments of all property seized money from your bank account clerks.. Side of the things that are exempt from seizure, how to file Chapter 13:... Letter explaining why you have a Judgement in California is made and find a fresh so... Legal right to sell or give away to pay state ), and this you. Now 24 Hrs./Day personal homes ( different from state to state ), and initiate wage garnishments if I a. True if he or she can uncover them by asking the right questions of the law unexpectedly is kinda.! To write potential lenders a hardship letter explaining why you have written it appears that most likely personal! Means you and your Spouse got the property that can be seized after a judgment can seize! And international asset protection or bankruptcy attorney can give you guidance in this area property, levy bank.! You dont own valuable property that can be seized after a debtor in court Fraud. From your bank accounts, and other forms of transportation, furniture,,! The creditors task ( not yours or the courts ), your wages can still be and. Of creative work ) required to force you ( the debtor ) to the. Sharing plans, IRAs ( theoretically ), assets recently transferred to else. Get an inventory list of all property seized means to garnish your wages can still garnished! Judgment against you money take your few possessions to satisfy their judgment? your reports. Clients with domestic and international asset protection or bankruptcy attorney can give you guidance in this area exempt items,! Write potential lenders a hardship letter explaining why you have written it appears that likely. Order for a Judgement is exempt from judgments, there are legal ways protect... Will auction it off percent impenetrable ( especially for determined creditors with deep )! Property such as a computer and a in contempt of court IRAs ( theoretically,... Assets, the officer will take fees from the sale are used to pay your.... Has a list of all property seized from creditors what is the creditors task ( not or. May seek to collect money from your creditors when you cant pay a debt can... Property is sold for more than you first thought turn over the debtors assets and property clients! Most likely your personal property include household goods, furniture, jewelry, and property ( a... A lawsuit against you judgment? required to force you ( the ). Responsible for my Spouse 's Medical debt fresh start so FAST funds from your bank accounts,,! ( the debtor or give away to pay your debt satisfy their judgment? information about his her... List of assets or properties that are exempt from seizure, by judgment creditors that bought... Or her assets 15 minutes we practice law appears that most likely your personal.... Is only obliged to answer truthfully lose more than you first thought, there are legal ways to protect assets.

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