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    SUGEYSUGEY's Avatar
    SUGEYSUGEY Posts: 1, Reputation: 1
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    #1

    Jul 22, 2008, 07:43 AM
    Unsecured debt
    I'm going to court for a debt that I can't afford to pay. Can you tell me what's going to happen? I live in Atlanta, Ga.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #2

    Jul 22, 2008, 07:45 AM
    Not being able to afford to pay is not a defense. If the debt is valid, the plaintiff will be awarded a judgement. That judgement may then be used to garnish your salary, attach cash assets or take possession of personal assets.
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
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    #3

    Jul 22, 2008, 08:34 AM
    Quote Originally Posted by SUGEYSUGEY
    I'm going to court for a debt that I can't afford to pay. Can you tell me what's going to happen? I live in Atlanta, Ga.

    Are they attempting to collect within the legal Statute of Limitation? In Georgia - if this is a credit card - it's 6 years which would be 6 years from the last activity on the account, last use of the card, last payment.

    There is one complication - Georgia Court recently ruled that it's 6 years since the payment BECAME due. That decision is being appealed.

    Otherwise, echoing Scott - inability to pay is not a defense and once the Judgment is taken a variety of methods can be used to collect, all of them legal.
    George_1950's Avatar
    George_1950 Posts: 3,099, Reputation: 236
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    #4

    Jul 22, 2008, 08:39 AM
    Quote Originally Posted by SUGEYSUGEY
    I'm going to court for a debt that I can't afford to pay. Can you tell me what's going to happen? I live in Atlanta, Ga.
    Just curious: Can you afford monthly installments? Are you working? Do you own your home? Do you have a bank account?
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