Legal Question in Credit and Debt Law in North Carolina

That means that a judgment has already been entered against you. Do you know when that was? If within the past year and if you have defenses, you may be able to open the judgment if you have a good reason for not taking action sooner. If this is your debt and you did nothing because you did not know what to do, then it is not likely that the judgment will be opened.

When did you receive the exemptions? You have 20 days to file them with the court and serve a copy on the judgment creditor (person who sued you).

These papers are VERY important. Do not ignore them. If you fail to fill them out, you will waive any exemptions that you may have. This means that you will lose them and if you own anything free and clear (like a car or piece of land) the sheriff can seize and sell it.

I don't know what you own, but most creditors want money, not your things. They can freeze your bank account unless you specifically exempt funds that are in there on the form. I also don't know if you work or if you get exempt funds (Social Security, VA benefits, unemployment benefits). If so, its important to designate these either on the form or in a letter.

I can assist you in filling these out for a reasonable fee. Please contact me at [email protected] if interested.