Hi, thanks for submitting your question today. Indiana judgments are good for 20 years, which means the judgment holder (a/k/a the judgment creditor
) can pursue you for this long on this debt. Because the judgment is against you personally, they can only go after you personally, not your husband or his wages etc. Further because you are now in AZ, they'd have to petition an AZ court to recognize the judgment and come after your non-Indiana based assets. For example, if you have property remaining in Indiana, they could put liens on that to satisfy the judgment. But to garnish your wage in AZ, they'd have to have an AZ court issue reciprocal judgment, then motion the AZ court for a garnishment.
The fact they've written your husband in Col. to me means that they have no idea where you are. Every option you choose has positives and negatives - 1) you could just ignore it, the positive being you dont pay now and they still don't know where you're at, the negative being interest of at least 6% is accruing on your judgment and what if they find you later - you then have a greater judgment to pay; 2) call them and try to make a deal for payments- the positive being you have a formal agreement to address the debt and will have the matter resolved and not have to avoid them for 20 years; the negative being if the negotiations fall through or you later cannot make those payments, they now know where you are and will try to perfect the judgment in AZ. As you can see, there is no perfect solution for you, each has a potential downside.
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