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Welcome! My goal is to do my very best to understand your situation and to provide a full and complete answer for you.
Can you elaborate a bit more on the default judgment and also on your overall asset situation? Thanks.
Thank you! Even though they were awarded a final judgment, you really have nothing to worry about. Florida has an unlimited homestead exemption so they cannot touch your home. Also, retirement account assets, such as your 401k, are exempt and also beyond the reach of creditors. So, whether or not they have the judgment, they can not touch either of your assets. You can either let them know that and let the judgment sit out there, or you can file for bankruptcy protection and get the judgment discharged. In bankruptcy, your homestead and 401k are also exempt and protected.
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