Legal Question in Credit and Debt Law in Virginia
credit debt
My adult son has no job, assets or money at this time. He has gotten a warrent of debt for an unpaid credit card. He is not required to attend in civil court. What will happen to him and what should he do? He has other unpaid credit card debt. He is an extreme introvert and has a hard time holding a job and communicating with others. He would not talk to anyone about his problems, including the credit card companies. I would like to help him, but can't financially. Thank you for any advise you could give us.
1 Answer from Attorneys
Re: credit debt
If your son does not respond to the warrant in debt action now pending against him in the general district court, a judgment will likely be entered against him for the sued on amount plus any other costs, including attorney's fees which may be applicable.
However, if your son, of course, has no job nor any other assets, it is likely that the judgment creditor would not be able to enforce the judgment through a garnishment or other enforcement means which such creditors normally employ to collect their unpaid judgments. If the foregoing is true, then your son would fit the category in the law of someone
who is termed "judgment proof".
Unfortunately, what you have described
(unpaid bills, extreme introverted behaviour, inability to hold a job or communicate, etc.) is likely merely a manifestation of a much larger and more serious problem which may likely require appropriate psychiatric or psychological intervention in behalf of your son before more serious events come to pass in his life. The time to
start with such intervention should clearly be now rather than later if you son is to have any chance at achieving even a modestly productive life on his own.