Legal Question in Credit and Debt Law in California

The creditors can call you. They can write to you. They can sue you and obtain a judgment. With a judgment, they can record and abstract of judgment which creates a lien on all property you own in the County in which it is recorded. They can also obtain a levy against your bank accounts, though the balance a single bank account may be exempt if your SSI is electronically deposited into that account. They can also force you to Court periodically for what is referred to as a judgment debtor exam, in which you will have to answer questions under penalty of perjury. Finally, the judgment is good for 10 years, and can be renewed for another 10 years. While you may feel judgment proof, the truth is that you need to have a better strategy than sitting back and doing nothing. Consult with a bankruptcy attorney, as most offer a free initial consultation and may at least be able to help formulate a plan to deal with your debt.

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