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Re: Judgement What can they REALLY do???
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Posted by Why Chat (209.240.222.130) on March 25, 2002 at 19:18:57:
In Reply to: Re: Judgement What can they REALLY do??? posted by Ron on March 25, 2002 at 17:20:12:
If you became delinquent on your credit cards over 3 years ago,you are beyond the statute of limitations for them suing you. On the medical stuff,you have homestead exemption in Va.,so they can't touch that. Generally speaking, (THIS IS NOT LEGAL ADVICE) They can't do more on judgments than can be done in bankruptcy,and they have to get the judgment then have separate actions for any liens.Here is Va. BK exemptions.
Virginia
Homestead • May include moble home. $5000 plus $500 per dependent; may also claim rents & profits; sale proceeds exempt to $5000 (husband and wife may double); unused portion of homestead may be applied to any personal property.
Insurance • Fraternal benefit society benefits
Accident or sickness benefits
Burial society benefits
Cooperative life insurance benefits
Group life or accident insurance for government officials
Group life insurance policy or proceeds
Industrial sick benefits
Miscellaneous • Property of business partnership
Pensions and Retirement Benefits •
ERISA qualified benefits to $17,500 per year
Judges
City, town, county and state employees
Personal Property • You must be a householder to exempt any personal property.
Bible
Burial plot
Clothing to $1,000
Family portraits and heirlooms to $5,000 total
Health aids
Household furnishings to $5,000
Motor vehicle to $2,000
Personal injury causes of action
Personal injury recoveries
Pets
Wedding and engagement rings
Public Benefits Exempt • Aid to blind, aged, disabled, AFDC, general relief.
Unemployment benefits
Worker's Compensation
Crime victim's compensation unless seeking to discharge debt for treatment of injury incurred
during crime.
Tools of trade • Horses, mules (pair) with gear, wagon or cart, tractor to $3,000, plows (2), drag, harvest cradle, pitchfork, rake, iron wedges (2), fertilizer to $1,000 of farmer (you must be a householder)
All growing crops.
$10,000 is exempt, including motor vehicles (you must be a householder)
Military uniforms, arms and equipment.
Wages • Exempt up to greater of 75% of weekly disposable earnings or excess of disposable earnings over 30 times federal minimum hourly wage; pension payments.
Wild Card • Unused portion of homestead, of any personal property.
$2,000 of any property for disabled veterans (you must be a householder)
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