Legal Question in Credit and Debt Law in Virginia

debt collection

i am going to court for a contract violation for not paying maintenance fees on a time share. if the case goes against me how can i avoid losing my house or having my wages or my bank account being garnished i am on social security and work part time to make ends meet .the amount i am being sued for is 5300.00. my wife and i have direct deposit for our social security i am 69 years old with a downs syndrome daughter who lives with me and a mother in law with early onset dementia.


Asked on 7/21/07, 8:58 am

1 Answer from Attorneys
Michael Hendrickson Law Office Michael E. Hendrickson

Re: debt collection

You should first try to settle the matter through negotiation. If your wife is not a party to the debt and you hold title with her jointly as tenants by the entireties, the time share predators will not be able to go after your family home even if they succeed in winning a judgment against you. Nevertheless, you should also bear in mind though, the judgment creditor may be able to garnish your SS pension which, unlike SSI, is apparently attachable by such a creditor.

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Answered on 7/21/07, 9:23 am


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