I live in NC and a lawyers office representing a credit card company rec'd a judgment against me a couple of weeks ago for $5000.00 and now they are threatening to get an execution of judgment against me and have the sheriff's office get involved! I'm currently separated (though no legal paperwork has been filed) and out of work disabled (I'm going through the appeal process with the social security admin for benefits), I tried to make pymt arrangements but they want 4 times what I can pay a month! I'm scared and don't know what to do! Can the sheriff's office come into my home and just take stuff like vehicles etc like they said?? They also said that they can take anything that belongs to my husband too even though his name wasn't on the account, is this true as well?? Can they freeze my bank account (is so how do I support myself and my kids?)? I've tried consumer credit counseling and they can do nothing about this and they want more $ for monthly payments for my other creditors that I even get in support! Can filing chapter 13 prevent them from doing this?? Somebody help me please!!

They can garnish your bank accounts, and also your stuff, that's true. They cannot take anything not in the name of the person who owes the money. (If your husband owns a car totally his, in his name, you're not linked to it in any way, I don't think they can just take his car away) I would suggest talking to a lawyer since they already got a judgment against you and he can tell you/help you about/with the whole chapter 13 issue, it might help you or not, I'm not sure. I'm no expert, but that is a tough situation and this is what I suggest doing. Good luck, hope you get it all sorted out.

I live in NC and a lawyers office representing a credit card company rec'd a judgment against me a couple of weeks ago for $5000.00 and now they are threatening to get an execution of judgment against me and have the sheriff's office get involved! I'm currently separated (though no legal paperwork has been filed) and out of work disabled (I'm going through the appeal process with the social security admin for benefits), I tried to make pymt arrangements but they want 4 times what I can pay a month! I'm scared and don't know what to do! can the sheriff's office come into my home and just take stuff like vehicles etc like they said??? they also said that they can take anything that belongs to my husband too even though his name wasn't on the account, is this true as well???? can they freeze my bank account (is so how do I support myself and my kids?)?? I've tried consumer credit counseling and they can do nothing about this and they want more $ for monthly payments for my other creditors that I even get in support! can filing chapter 13 prevent them from doing this??? somebody help me please!!!!!


I think you need to consult with an Attorney - and I know that's expensive but you have two different issues here: you need to get your marital problems under control (you may be living apart but you are not separated); and you need to speak to someone about this debt. How did they get a Judgment? Did you not respond to the initial papers?