The idea someone can be judgment proof is a myth. Many will say someone on Social Security or a fixed income like unemployment are judgment proof but fail to give the advice to show up at court dates. A missed appearance at a court date could result in jail time, not for failing to pay the debt, but for failing to comply with a Court order to appear.
A judgment is entered and the creditor may not be able to garnish you immediately. But judgments can remain for years, and can be renewed, if the creditor takes proper steps. If you are unemployed now, that does not mean you won’t eventually go back to work. A potential garnishment could be waiting for you on your first paycheck. A creditor can also bring you in for a citation to discover assets to find a way to get paid. Each time you are summoned to court, you will be charged with court costs.
The solution to overwhelming debt and creditor harassment is filing a bankruptcy with Peter Francis Geraci and Geraci Law. A Chapter 7 will discharge your obligation to the bills and protect you in the future from lawsuits and collections. Or if you have assets to protect, or want to pay back your creditors, a Chapter 13 may be the right option for you.
Meet with a Geraci Law attorney to go over ALL your options and be given the truth. Geraci Law Attorneys offer affordable payment plans for any kind of income. Instead of dodging phone calls, call for a bankruptcy consultation with Geraci Law. You can finally feel relief!