?if they get a judgement from credit card what

[phas]

What is the name of your state?ky
been filed legal papers but and looks like they will
place a judgement on me from Discover credit card what will happen.
havn't paid since july04 lost income husband has $1200 month income there is 4 in the house, the house has morgage probably more than its worth .and if they do sell the house will they have to pay the morgage off? havn't got nothing to settle with . got a couple old vehicles dont run that good can't find anyone to buy them either .up agaisnt a wall not sure what to do or what will happen, never been in any thing like this before.

any help or advice is greatly needed thank you
have no money for attorney either

 

[ihatearizona]

Here's what I could find for KY:

Kentucky Post-Judgment Asset Exemptions
Homestead: Real or personal property used as residence up to $5,000.

Pensions and Retirement Benefits: Funds exempt for firefighters, police, teachers, state employees and county government employees. Other pensions exempt if needed for support. IRA exemptions for conventional, Roth, SEP and SIMPLE plans. Limited to contributions that are made more than 120 days before bankruptcy filing.

Insurance: Annuity benefits up to $350 per month. Life insurance, if beneficiary is a married woman or not the insured, or a clause in the policy prohibits payment to creditors, or if a group policy. Health or disability contract benefits. Cooperative life or casualty insurance benefits. Fraternal society benefits.

Personal Property: Burial plot up to $5,000 in lieu of homestead exemption. Clothing, jewelry and furnishings up to $3,000 total. Payments for lost earnings needed for support. Medical expenses. Reparation benefits. Motor vehicle up to $2,500. Personal injury recoveries up to $7,500 (not to include pain and suffering). Wrongful death recoveries.

Tools of Trade: Tools up to $300, plus artisans in the business of maintaining mechanical or electrical equipment in general use, and ministers, attorneys, doctors, chiropractors, veterinarians and dentists may exempt a motor vehicle worth up to $2,500. Ministers, attorneys, doctors, chiropractors and veterinarians may also exempt up to $1,000 of professional equipment. Farmers may exempt up to $3,000 in poultry, livestock, tools and equipment.

Miscellaneous: Business partnership property. Alimony and child support.

Wages: Greater of 75% of earned but unpaid wages or excess of disposable wages over 30 times federal minimum wage.

Public Benefits: Unemployment compensation. Workers' compensation. Aid to blind, aged and disabled. AFDC. Crime victim's compensation.

I'd think you should be able to qualify for some form of assistance with that low amount of income. Have you checked with any legal aid types to see if anyone there can help you?

 

[phas]

thanks ihatearizona
but i,m not looking for any hand outs from gov. only thing i would like is to get rid of the credit card stuff

any more info would be nice thanks

 

[ihatearizona]

Legal aid isn't a government hand out. They are a not for profit group of attorneys that take on cases for people with low incomes. They might be able to help you.