Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
If a judgment has been taken against you, the creditor may very well have the ability to garnish your wages. Your only option may be to consult with a consumer law attorney about whether this is a judgment that can be attacked for any reason and whether the amount that is being garnished is in accordance with your state law.
Please let me know if you have any other questions, or require clarification of this matter. Otherwise please hit "ACCEPT", so I may receive credit for my response. Tips and feedback are also appreciated.
Generally, if you incurred the debt, you are responsible for it even if the property was foreclosed. The answer to your question is two fold. First you need an attorney who get try to do something about the judgment and wage garnishment. If the judgment is vacated, then you will need to fight the underlying case. (Keep in mind that not knowing all the facts of your situation, I am not sure if the judgment can be vacated.) This is best done by a consumer law attorney or a civil law attorney. If the judgment is vacated, step two is fighting the underlying debt. This is where you may require the skills of a real estate attorney. Your best bet may be to look for an attorney who has a background in real estate, consumer law and civil litigation. (Depending on the whether there is room to argue whether you owe on the debt, you may not even require a real estate attorney.)
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).