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Those funds are at risk unless they came from retirement income or assets. With respect to those, you might want to consider pre-paying expenses, paying down your mortgage on your house, if you have a mortgage, buying pre-paid gift cards for meals, stores, etc. rather then leaving the money in those accounts.
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I think we are getting close to the answer I'm looking for concerning default final judgement....I'm so glad I found this site it is very helpful.
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