Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
Hi - my name is XXXXX XXXXX I'm a Bankruptcy and Consumer Protection attorney here to assist you.
Since you own very little, there is nothing the creditor can take from you, even with a judgment.
This is because you are allowed to keep $4,000 worth of personal property.
Also, you should not worry that you cannot afford an attorney, as an attorney is not necessary, and if you do owe the money, there is really nothing an attorney can do for you.
In fact, hiring an attorney can send the wrong message - as doing so can give the impression that you do have money.
Just a moment - I will look up the code for you.
It is Tennessee 26-2-103, which you can see here:
They cannot take your personal property if it is worth less than $4,000.
It does not matter that you owe less than the value of your property. They cannot take anything from you if you own less than $4,000.
In other words, it does not matter what you owe. What matters is how much you own.
Yes - you are entitled to at least one continuance.
Getting a continuance is the only way to delay the judgment.
Since the original creditor (not a collection agency) is suing you, it is very likely they will be able to provide the information you asked for.
Since the original creditor (not a collection agency) is suing you, unfortunately it is very likely they will be able to provide the information you asked for.
I resent what I wrote. Can you see it now?
What browser are you using? I sometimes have trouble with Firefox.
What browser are you using? I often have trouble with Firefox.
If they find your account, they can freeze it regardless of how much money is in it. However, it is not a perpetual hold.
It would be better to not have any money in a bank account, and to buy postal money orders instead.
Once they get a judgment. You do not have to worry until they get a judgment.
If you owe the money, it is unfortunately not possible to prevent them from getting a judgment. Yes - after they get a judgment you may have to provide them with your bank account information.
At some point, you may be able to file a Bankruptcy to have the judgment discharged.
You would have to provide your bank account information after they get a judgment.
You are entitled to at least one continuance - whether or not the attorney provides the information you requested.
You and the attorney will be shown the available dates to return to court. The length of time to wait to return depends on how busy the court is, but you can expect to have to wait at least 3 months to go back to court.
No - you will not be asked your bank account information while you are in court.
Instead of paying a Bankruptcy attorney $1500 to fill out and file the papers, you can pay a Bankruptcy preparer $200 to fill out the papers, and then you can file them yourself.
You're welcome! I think that is it - I can't think of anything else. However, I just want to impress upon you the fact that you really have nothing to worry about, since you own nothing of value. And you should not be fretting about the fact that they will be able to get a judgment, as there is currently nothing they can do with the judgment. And once you get back on your feet, you can at that time consider filing a Bankruptcy.
Thank you in advance for providing an excellent rating.
And please have a pleasant day!
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).