Hello friend. My name is XXXXX XXXXX welcome to JustAnswer. Please note: (1) this is general information only, not legal advice, and, (2) there may be a slight
delay between your follow ups and my replies.
I am sorry for your situation.
If you do not respond to this summons, then the following may occur:
1) The Plaintiff (i.e. the company alleging the debt) will receive what is known as a default judgment
. In other words, they would get a judgment in their name without the actual trial, due to no answer being filed;
2) The Plaintiff may then ask that the judgment be paid OR they can do one of the following: (a) attach up to 25% of a paycheck,(b) levy a bank account, and/or (c) lien a titled property. While very rarely, they can (d) attach non-exempt assets for sale to satisfy judgment. However, much of what someone owns is exempt from being attached to this. See here
3) While a spouse is not responsible for the other spouse's debt in WV generally speaking, they can still attach a joint
account or property. If the home is in her name only, it is (arguably) exempt;
4) A bankruptcy would generally void the debt/judgment and/or reduce it to pennies on the dollar. Please let me know if you need any more information on the above or anything else.
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