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Hi and welcome to JA.Ray here to help you today.
You have a couple of options here.You could quitclaim your interest to your husband and they cannot lien it with a judgment.That would avoid any problems with them trying to force a sale.If you own no real estate no lien attaches.
They can sue you here for full amount plus legal fees and costs and it can add up pretty good here.
The other option is to keep negotiating.Threaten Chapter 7 if they don't accept your counter offer. Maybe $40 k here if you can swing it.Honestly that would still be a great deal here.
These are your options as I see it. You could file Chapter 7 in say six months after you quit claim the house to husband if you want to discharge the judgment as part of that.
Another suggestion if you have these funds in the bank consider getting a safety box and going off the grid.
You might loose interest but its so low these days and then no one know you have any assets.This makes you look poor if they run credit checks.
I appreciate the chance to help you today.Please let me know if you have more follow up.
Here if they have a judgment it only liens property in your name.Transfering the property here makes it real hard if not impossible for them to collect as it does not line the property.
Also if you look poor here--no assets minimal amounts in bank it is unlikely they sue you since they cannot collect it.Doing this now is a good idea to protect yourself both from getting sued and then them collecting it.
Thanks for your patience and the chance to help today.