I guess where this is leading to is a bankruptcy filing. My case is a collection lawsuit filed by Target, but my only income is Social Security, which goes to an exclusive bank account, and which will soon be transferred to an express card. My plan is to file an Answer and to keep up the process on the possibility that Target will dismiss the case. The local superior court records show that most people don't file an Answer, but when someone files an Answer, the case does get dismissed.
The local free legal clinic's advice is to not file an Answer and just write the law firm (Patenaude and Felix) to inform them of my collection-proof status. The hope is that Target will then dismiss the case. I'm not sure I want to roll over and play dead. This is a SoCal firm doing long-distance litigation in Northern California. I have nothing to lose at this point, so let them come over here on the day of trial. Even if they get a judgment, they can't collect.
But of course, if my situation improves (I sincerely hope so), then I guess it's time to apply everything I've learned on this forum about the BK process.
The local free legal clinic's advice is to not file an Answer and just write the law firm (Patenaude and Felix) to inform them of my collection-proof status. The hope is that Target will then dismiss the case. I'm not sure I want to roll over and play dead. This is a SoCal firm doing long-distance litigation in Northern California. I have nothing to lose at this point, so let them come over here on the day of trial. Even if they get a judgment, they can't collect.
But of course, if my situation improves (I sincerely hope so), then I guess it's time to apply everything I've learned on this forum about the BK process.
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