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We don't have any money to defend ourselves. We already went that route to the tune of $75k. They started in June of 2010. We fought them through February of 2011, only to have them 'go away'. This came out of no where. There is no fraud alledged, just that we were not licensed to take these clients. The law is murky at best in regards XXXXX XXXXX we were doing. Even they didn't know what we could do and didn't levy any complaints against us until almost 2 years later. Is there some place I can read up on whether these fees are dischargable without having to go see an attorney right away?
These are certainly fines to punish.
How does that read on ones credit? A judgment? What is their recourse as far as coming after us? Garnish wages? Levy bank accounts? We don't have much, maybe $1800 bucks to our names. We do own a house, but it's so far upside down, it's not even funny. I have a car with a few thousand on it, but we were going to sell it anyways due to the looming BK.
There is no way for us to pay a $9m verdict, ever. Essentially, this is a death sentence for us. We'd have to live off the grid and by way of other peoples credit. We'd never be able to own a home again or even get an apartment for that matter.
This is a catch-22. I have 21 days to respond, I can't respond because I have no money.
One last question. Is it the business that has to defend itself and if the business is found guilty of violating licensure, they can come after the owners of the LLC?
Can my wife and I respond on our own w/o including the other two parties? Does the business have to respond first? I am very familiar with procudural law as far as civil suits are concerned, but not something from a government agency.
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