Hi - my name is XXXXX XXXXX X'X 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!
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