What is the name of your state? Virginia
Listen, I don't have any income now. I haven't for awhile now, but I have been paying my ( I say mine, because they are in my name only) debts with my husbands income, but now my father has passed away and mother has no income so we have taken on all of her debt also. My question is, since I am unemployed, and I have absolutely nothing in my name (home, vehicle, etc..) what will the creditors do? What can they do legally? I understand they can file a judgement, but they can't garnish me. Is there anyway they can somehow take our tax return? Also, any advice on how to handle this would be appreciated. For instance, if I write them and ask for lower payments then if I make the payments for awhile and then can't what will they do? Bankruptcy is not an option. Filed bankruptcy with ex 4 years ago.