Guitarantula
Junior Member
What is the name of your state? Tennessee.
Hi folks. I have a two judgements against me so far over credit cards. Same debt buyer, two different lawyers, one for each card. There will probably be more as these debts get closer to being put off my credit, since they have been unpaid for several years. As far as i know, i am judgement proof. I am on Social security disability. My home is a 1994 Mobile home worth abot $4000, which completely fits under the $5000 dollar Tennessee Homestead exemption. I am a single parent with two kids and my ex owes me probably over 12 thousand in back child support. I have no other money coming in other than my SSI. I had my checks switched to paper checks that now come to my mail box. I own no land, and all my belongings take up 2,300 dollars of my 4000 dollar Tennesee personal property exemption. Really, there's nothing they can take from me. My vehicle has a proper lean on it from a bank and it is in bad shape and not worth hardly much more than the loan I have on it.
My question is about procedures. I filed my exemptions properly with the court within ten days of the judgement court dates. I have the papers in my possession with the court clerk stamp on them.
I get the feeling that this Lawyer firm in Nashville (about two and a half hours drive), is going to probably get a writ of execution against me and I will wake up and have the police at my door, asking my 12 year old daughter to step aside while they search through our dressers for valuables. This would cause serious emotional damage to my already hurt children who had their mother walk out on them. Last night, I read about a debters exam. Would the lawyers first make me sit for one of these exams under oath and list everything I own? Would they need to do this first, before bringing a sherrif to my door to take things that are not on the exemption papers, (which amounts to probably 50 bucks worth of property after they sell it at an auction) Most everything I own only takes up 2,200 of the 4 thousand exemption. I just get the feeling the lawyers will do this just to harrass me and embarrass me. This would devastate my kids. What are the lawyers required to do first. I read some Tennessee law and it said, "writ of execution against "CERTIAN" properties, like they have to specify what items they know about, such as cars and bank accounts. Can they simply show up at my door with no prior notice and force their way in and start going through our drawers, closets? Or would they be required first to force me to some type of exam and such? I simply don't want my kids being forced to see police rummaging through our personal belongings. As I said, I have my exemption papers in my home and with the court stamp where I filed for each judgement that was obtained on me. This was in General sessions court, ;ike the others will probably be in the future.
Thanks for any help.
Hi folks. I have a two judgements against me so far over credit cards. Same debt buyer, two different lawyers, one for each card. There will probably be more as these debts get closer to being put off my credit, since they have been unpaid for several years. As far as i know, i am judgement proof. I am on Social security disability. My home is a 1994 Mobile home worth abot $4000, which completely fits under the $5000 dollar Tennessee Homestead exemption. I am a single parent with two kids and my ex owes me probably over 12 thousand in back child support. I have no other money coming in other than my SSI. I had my checks switched to paper checks that now come to my mail box. I own no land, and all my belongings take up 2,300 dollars of my 4000 dollar Tennesee personal property exemption. Really, there's nothing they can take from me. My vehicle has a proper lean on it from a bank and it is in bad shape and not worth hardly much more than the loan I have on it.
My question is about procedures. I filed my exemptions properly with the court within ten days of the judgement court dates. I have the papers in my possession with the court clerk stamp on them.
I get the feeling that this Lawyer firm in Nashville (about two and a half hours drive), is going to probably get a writ of execution against me and I will wake up and have the police at my door, asking my 12 year old daughter to step aside while they search through our dressers for valuables. This would cause serious emotional damage to my already hurt children who had their mother walk out on them. Last night, I read about a debters exam. Would the lawyers first make me sit for one of these exams under oath and list everything I own? Would they need to do this first, before bringing a sherrif to my door to take things that are not on the exemption papers, (which amounts to probably 50 bucks worth of property after they sell it at an auction) Most everything I own only takes up 2,200 of the 4 thousand exemption. I just get the feeling the lawyers will do this just to harrass me and embarrass me. This would devastate my kids. What are the lawyers required to do first. I read some Tennessee law and it said, "writ of execution against "CERTIAN" properties, like they have to specify what items they know about, such as cars and bank accounts. Can they simply show up at my door with no prior notice and force their way in and start going through our drawers, closets? Or would they be required first to force me to some type of exam and such? I simply don't want my kids being forced to see police rummaging through our personal belongings. As I said, I have my exemption papers in my home and with the court stamp where I filed for each judgement that was obtained on me. This was in General sessions court, ;ike the others will probably be in the future.
Thanks for any help.