Judgement and garnishment question

Posted by here again (68.73.164.46) on May 21, 2003 at 00:41:36:

I live in Ohio. I became unemployed and could not keep up with my credit cards. An attorney's office called about one of my accounts. I told him my situation and he said he would hold off doing anything for 30 days. I asked him what would happen in the event I could not make arrangements to pay. He told me they would get a judgement against me and my wages would be garnished once I found employment. I do own a house with my mother. There is equity in the house. Does a judgement mean a judgement lien on the property? If they did do this, can they also garnish? Does Ohio have a homestead exemption?
Thanks in advance.

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