Lawsuit

[2anewu]

Sorry laptop is acting funny!  My question is: Does a lawsuit equal garnishments or can one may arrangements.  We have not been served any formal papers but I looked online and saw that it is true.

Message Edited by 2anewu on 10-04-2007 11:03 AM

Message Edited by 2anewu on 10-04-2007 11:05 AM

[2anewu]

I have never been to court, so this issue is a little scary for me. Any advice is welcomed. It is not a huge lawsuit ($3700) but just the sound of being sued is scary. We do not have a lawyer and I am not sure we need one. I just do not want to go and say the wrong thing --- rather him if we are able to talk.

[Anonymous]

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2anewu wrote:
Sorry laptop is acting funny!  My question is: Does a lawsuit equal garnishments or can one may arrangements.  We have not been served any formal papers but I looked online and saw that it is true.

Message Edited by 2anewu on 10-04-2007 11:03 AM

Message Edited by 2anewu on 10-04-2007 11:05 AM

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lawsuites and garnishments go by state law. I know that in Fl.

a breadwinner can not be garnished     BUT  

husband & wife both work

whoever makes most money can be breadwinner (exceptions are IRS and Child Support)

DH makes more money.....wife is sued...she can be garnished.....

If DH is sued  wife can not be garnished.....       every state is different!

If DH and wife are sued....only wife can be garnished!

Message Edited by HappyDays on 10-04-2007 12:43 PM

[Anonymous]

Arrangement for the most part can be made.   They will/can use the powers granted from the judment if you choose to ignore the judgment.  Among them which I'm sure you've read about, wage garnishments, seizing bank accounts, property liens and can even go after some of your personal assets.    Some states are debtor friendly and some of these powers are limited so check your state.

But if you can get in some form of payment arrangments before it reaches that point I would suggest you do so.  Because not only will a judgment destroy your credit report  that debt you owe is going to baloon, BIG TIME.  Attorney fee's, court cost and the interest is all going to go into that debt.