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Hello and thank you for contacting us. This is Dwayne B. and I’m an expert here and looking forward to assisting you today. If at any point any of my answers aren’t clear please don’t hesitate to ask for clarification. Also, I can only answer the questions you specifically ask and based on the facts that you give so please be sure that you ask the questions you want to ask and provide all necessary facts. Please note: This is general information for educational purposes only and is not legal advice. No specific course of action is proposed herein, and no attorney-client relationship or privilege is formed by speaking to an expert on this site. By continuing, you confirm that you understand and agree to these terms.
Were you ever served with papers saying you were being sued?
What is your source of income?
Disability is exempt from creditors. In addition, so are the other items listed in the following statute:
You will note that a vehicle's value up to $3500 is exempt as well. That is $3500 above what is owed on the car.
The NC state exemptions list disability and if it is Social Security Disability then it is exempt from seizure by federal law.
The following form is filed with the NC court that issued the judgment to claim your exemptions:
What you should have done is filed an answer back when you were sued. At this time it is to late to contest whether you owe the money although if you did co-sign the note then they would have gotten a judgment anyway.
I'm not sure why they would have taken your daughter's account unless it was just a mistake. As to your account the bank probably told them it was disability money and so they knew it was exempt.
There is no way to make them talk to you. You can hire an attorney and they will likely talk to the attorney.
You could also file a bankruptcy which would wipe out the judgment against you.
If your question has been answered then I'd offer my best wishes to you and ask that you please not forget to leave a Positive Rating so I receive credit for my work.
Of course, please feel free to ask any follow up questions in this thread. I want to be sure that all of your questions are answered. In addition, once you issue your Positive Rating the question will lock open and no longer time out so you can come back to it anytime in the future if you think of any follow ups.
Great and you're very welcome.! Glad to be of assistance
Best wishes to you and please don't forget to leave a Positive Rating so I receive credit for my work.