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Your disability would be protected in all forms,
you can transfer the deed to a trust or corporation unless your spouse is alos on the deed,
Typically if you do not pay a judgment the creditors will not lien your home, they will try to collect by garnishing paychecks,
or trying to freeze your accounts,
My ex. is on the deed, it was the third home we bought together, the first being five years into marriage, when I earned as much or a little more than he, and just before the first child was born. With consumer counseling and/or with debt resolution, if my financial circumstances then change, can the credit card companies then come after my wages?
That is interesting, as I have received cold calls proposing these two options, and the people represent it as if you are somehow financially going to benefit be paying back less and getting out of debt sooner if you use consumer counseling or debt resolution. They represent it as if that would be final, and this is agreed upon as it is better for the creditors than if you file bankruptcy, but also better for me as I would be out of debt sooner. If they can then garnish my wages even after they receive the agreed upon amount in debt resolution or consumer counseling, then I am not really out of debt, and could wind up paying them back for years. Do the people offering these solutions commonly lie? They know my circumstances, regarding equity in a marital home with my ex. on the deed, but where I am supposed to get more than 50% the equity according to the divorce decree and considering the lien which really is money my ex. owes me? My ex. was quite cocky when he told me he would wind up in the home, with full custody, and me paying him, and I am sure my filing bankruptcy is one way for him to achieve that goal, which is why I am not surprised child support payments stopped, even though he makes a six figure salary and has no other minor child.
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