Hi. I am new to this site and am panicked about a mediation hearing that I have to attend tomorrow. I moved to Florida in 2004 and shortly after, my financial situation became so bad that I could not pay my mortgage and my credit card debt. I as barely able to pay for immeiate living expenses. My house went into foreclosure and I managed to sell it in the 11th hour to keep from losing it. I only got about 3,000 in proceeds from the sale. I spent every bit of that very fast paying back friends that had lent me money to survive up to the sale of my house. To make matters worse, I lost my job last Sept just after the foreclosure started. I collected unemployment for 3 months and then it ran out. I sold everything that I owned and am now living day to day with no real job. I do odd jobs for friends if and when they need me to help them out for a few dollars. I have a 2004 car that I am two payments behind on at the moment. Now, they are threatening repossession. I have a joint bank account with a friend for emergencies that is under their name, not mine as the primary account holder. My personal bank acct has less than $50 in it and has been pretty empty for the past year. Does anybody know what I can expect from this hearing? They served the papers at my old house, so they must now know that it was sold. What information about me do they have and what should I disclose in regard to the house, my piece work job and car. A friend told me not to worry as I have nothing left for them to take... which is true, and that makes me judgement proof.. but I am still scared to death. Any help would be greatly appreciated, thank you.

First we can't tell you about the mediation hearing since you gave us no info about it. Who is the creditor, what debt is it in reference to?

As for your checking account, it doesn't matter whether you are primary or secondary. If it's a joint account they can attach it.

As to what you disclose, tell the truth you will be under oath.

Thanks Scott. Sorry, it is for a credit card debt of about $1500 that I haven't paid on since early 2005. Of course I don't intend to lie, but I don't want to blurt out information that would be in my best interest to keep to myself unless asked. Thanks for your fast reply.

Then you carefully consider every question asked and answer as tersely as you can.