Hello:
I had a job loss in 2004 and claimed bankruptcy in 2005.
Another job loss last year and am still seeking gainful
Employment. I have cc companies that are threatening
To put a judgment on me. I am a sitting duck because
Of the BK three years ago. What is the process? I have
Had two law firms contact me, one I negotiated with,
The other yesterday said they were going to "proceed
forward with legal action".

I am concerned for my checking accounts. How soon before
They can go in and take what is in there?

Thanks

Ok let me see if I can understand what you are saying, Since the bankruptcy in 2005
You used more credit cards ,can't pay them and now they are seeking legal action against you? Give us a little more information. How far behind are you ? What is the total amount? As far as your checking account they can only get to that if they get a judgement
From the court and if you are in a state that allows wage garnisments they can do that to