Received judgment-what can they take?

What is the name of your state? PA

I received a judgment against me by Capital One for $1,879.39 on a credit card whose limit was only $500.00. (hmmm how did that happen?)

My situation:
-I rent with my boyfriend
-I own a 9 year old car which is the only way I can get to work
-Boyfriend has new van which is also in my name
-Have joint account with boyfriend
-Mostly everything in house is boyfriends (electronics, furniture, etc.)
-Have job that pays peanuts
-Have two kids that are mine and am not receiving support from the deadbeat
-I have absolutely no money to pay these people

What can they do or take from me? Can they touch boyfriends money or belongings? Grrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr....

chefdebmmm said:

What can they do or take from me?

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PA has the following exemptions from judgment seizure, any property NOT shown can be grabbed:
Homestead: None. However, property held as tenancy by the entirety may be exempt against the debts owed by only one spouse.

Pensions and Retirement Benefits: ERISA-qualified plans. Funds exempt for city employees, county employees, municipal employees, police officers, public school employees and state employees. Private retirement benefits exempt if clause prohibits proceeds from being used to pay beneficiary's creditors, to extent tax-deferred, limited to $15,000 per year deposited, and no exemption for amount deposited within 1 year of filing. IRA exemptions for conventional, SEP and SIMPLE plans, subject to above limits.

Insurance: Life insurance annuity policy, cash value or proceeds if beneficiary is insured's dependent, child or spouse. Insurance policy or annuity contract payments, where insured is the beneficiary, cash value or proceeds to $100 per month. Group life insurance policy or proceeds. Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors. Accident or disability benefits. Fraternal society benefits. No-fault automobile insurance proceeds.

Personal Property: Bibles. Schoolbooks. Sewing machines. Clothing. Tangible personal property at an international exhibit sponsored by U.S. government. Uniform and accoutrements.

Tools of Trade: None.

Miscellaneous: Business partnership property.

Wages: Earned but unpaid wages.

Public Benefits: Unemployment compensation. Workers' compensation. Crime victim's compensation. Korean conflict veteran's benefits. Veteran's benefits.

Wild Card: $300 of any property.

Can they touch boyfriends money or belongings?

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Not unless he is named in the judgment.

BTW, the statute of limitations on that PA judgment is five years.... and renewable..... and accrues interest.

That bit about 'earned but unpaid wages' --- means they can't garnish your wages in PA. The terms used aren't clear to everyone.

treslee1 said:

I have read the state laws regarding credit collection. My question is if I am sued for debt can my checking account which is also in my daughters name be touched and also my mother has an account with my name added. Not sure what to do. I have not been sued yet but wondering if I will be. I know KY has wage garnishment. I have tried working with original creditors and they are accepting payments. But not sure where to go from here.Also the creditors are accepting payments but collection agencies are still contacting me.

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You are 'hijacking' someone elses thread. Doing so is not only rude, but causes confusion when the original thread writer thinks that a response to your post is to his. Please click on the 'edit' button on your post and then click the 'delete' button. Then you can make a new thread, all your own where someone will try to help.

when it comes to bank accounts, ( im nfcc certified credit counselor in NY)

they can freeze the bank account, even if it joint and usually take whatever is in there.

venture20 said:

im nfcc certified credit counselor in NY

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Who cares???? The OP is in Pennsyvlania, and the last I checked, NY laws aren't valid there.

And what does your post have to do with the OP asking "What can they do or take from me? Can they touch boyfriends money or belongings?"??