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If you are on disability, have no garnishable source of income, and do not own real estate, then you may be "judgment proof," which means even if they sue you they still can never collect, so you may be able to ignore them. If you do have a job, then if they sue you they may be able to garnish you, so you will need to deal with them one way or another. Or, if your name is XXXXX XXXXX deed to real estate, if they sue you they will likely get a judgment lien on the real state, which again may force you to deal with the debt now, one way or another. But, if you cannot be garnished and have no real estate they can attach a judgment lien to, then the only issue you may face if they sue you is a hit on your credit score.
However, if you decide to deal with the debt now, it is rarely ever a good idea to incur new debt to try to pay off an old debt, and credit cards will usually take 40% or less to settle an old account, so their offer to reduce the balance by $111.49, which is basically agreeing to settle for 90%, and then charge you 19.9% interest, is not a very good offer based on many that I have seen.
Obviously I do not know all the facts and details of your situation, and even if I did I cannot give you advice online since I am not licensed to practice law in your state, but I can say that generally people who are judgment proof advise the collection agencies of this fact and then ignore them. After 6 years or so from the last charge or payment made on the account (depending on your state law) the debt expires based on the statute of limitations and becomes legally uncollectable. This does not mean they may not attempt to collect it after the statute of limitations expires, but if they do sue you and you respond to the lawsuit showing the court that no charges or payments toward the account have been made within the statute of limitations period for your state, the court would likely throw out their lawsuit anyway.
I hope this helps and a positive feedback is always appreciated if this was useful to you.
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The fact that John is on the house may help. Many states protect a house from a lien if the house is owned by a husband and wife when the debt is only owed by one spouse (called "Tenancy by the Entireties" ownership, which is just a weird way to say "Owned by Husband and Wife").
Whether or not judgment liens are subject to a statute of limitations is a matter of state law. I know in some states the lien expires after 10 or 20 years, but this may vary widely from state to state. And, even if the lien expires, that doesn't mean a title company wouldn't still insist on the lien being taken care of to ensure they don't get stuck paying it if the house is ever transferred.
I can't really give you advice since I am not licensed to practice law in your state, so you will ultimately have to decide whether to add them to your consolidation plan. I think it may be insightful to ask the consolidation company if they think the card can be added. However, if the logic that you are judgment proof from collection by Lowes is accurate, then you should also being judgment proof from all the creditors in the debt consolidation, calling into question whether you continue to pay that as well.
The answer to these questions are state law-specific and highly dependent on the facts of your situation, so it may be helpful for you to at least consult with a bankruptcy attorney since they can review your situation and let you know if you should be paying on any of this stuff. Many bankruptcy attorneys offer free consultations, so it might be a good idea to do it and see.
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