Legal Question in Credit and Debt Law in California

Re: Judgement placed

In theory, if you have non-exempt equity (equity that exceeds debt on the home and your homestead), then yes, they can eventually force its sale to repay the debt. If there is no equity, then they generally cannot force its sale.

They can, however, garnish your wages, levy against bank accounts and other assets like vehicles, etc... after they obtain a court judgment. File an answer to the summons, and then try to negotiate a settlement with the creditor's attorney - its the best means of avoiding the unpleasant consequences of having a judgment entered against you.

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