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Judgement Creditor Notice

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DaveR83

Junior Member
I live in Ohio and just received a notice that a judgement has been granted against me. I know that they can garnish wages, but what else can they go after? I don't have a checking account, my paychecks are deposited into my wife's bank account which is under her maiden name (my name is not on the account at all; not because of debt, we have had it set up this way for a long time). We do own a house, but it is solely under her name, it was purchased on her credit. The only asset I really have is my car, which is an old 2001 Pontiac that is only worth about $1000 if sold. The debt is approximately $2500. I got behind after I was laid off a couple of years ago and could never catch back up. I can't lose the car, because I need it to get to work. We also have 2 small children and another on the way. They have sent a form for me to possibly attend a hearing on May 26 to make my case for how much they may garnish, etc. Please help! Really need some advice on this one. I also want to make sure they can't touch my wife's personal assets.
 
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single317dad

Senior Member
The following are exempt from garnishment:

http://codes.ohio.gov/orc/2329.66

As you can see, for example, they could place a lien or seize your vehicle, but your interest in that vehicle up to $3225 is exempt, so there's no value for the creditor in your $1000 vehicle. Similarly, even real estate that you own is exempted up to $125,000.

If that hearing on the 26th is "Proceedings in Aid of Execution", I don't think what you received was an invitation, rather a summons.
 

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