I was layed off several months ago an d I am unable to pay my CCs. I just received my 1st summons from CITI card. My question is can I file BK against their judgment after the lawsuit? I have no job. My only income is Unemployment for as long as it lasts. I do not want them to get a judgment against me then garnish my wages when I get a job.
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Since you are unemployed (sorry to hear) I would let them sue and you should just clean out the bank accounts and wait till you get a job to file chapter 7.
If you happen to need expensive medical care with no benefits and no income you will lose your ability to file chapter 7 if you file now.
Since there is nothing to garnish now you might be better off waiting and filing once you are hired.The essence of freedom is the proper limitation of Government -
I have medical benefits through Veterans Administration thank God.
Should I attend the lawsuit hearing and or let them win by default? Being unemployed I do have time to appear at the hearing. Unfortunately.Comment
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Originally posted by Kansas View Post
If you have medical coverage then filing sooner would be ok.
I thought you probably didn't have anything which is why I said to hold off.
Good luckThe essence of freedom is the proper limitation of GovernmentComment
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Delaying tactics
You can file an answer with the court - I cannot affirm or deny based on info provided. That will give you time to find a BK lawyer. Don't let it go to default judgmentComment
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