They are trying to seize our home through a judgement

[Portia]

In 1997 I tried to start an internet gift shop after my husband had heart surgery. He suffered complication and was in IC for 5 weeks, then under constant care at home. I could not work outside the home durring that time. My sales were very slow, so my drop shipment company suggested I should take credit cards. This would have cost me nothing extra, except I needed a terminal. That is when the trouble started. I ended up leasing a $1200 software program through Leasecomm. Sales were still terrible and the payments along with my other expenses plus my husband's medication were eating us up so bad, that I could no longer keep enough money in our checking account to cover the monthly installments. When an installment was denied costing me a $23.00 NSF charge, I called Leasecomm and told them I needed out of the lease. I was told I could break the lease, but when I tried it was another story. I began receiving bills for $1000 which has since grown to $2000. They got a judgement against me in Massachusetts which is about 600 miles from here and I couldn't go because of my husband's disability. Now the sheriff here in Richland County, SC has contacted me with and execution of judgement. The deputy says they can force the sale of our home to satisfy this $2000 judgement, even though the property was never used as collateral. The collateral was the leased software, which I sent back and they returned to me. We are on a fixed income except for what I can earn part time, this is a 1963 mobile home on 2 acres of land. It is our only place of residence and in our income bracket, if we lose it we will be on the street. My husband could die as a result. I can't pay the judgement, what should I do?

 

[I AM ALWAYS LIABLE]

<BLOCKQUOTE><font size="1" face="Verdana, Arial">quote:</font><HR>Originally posted by Portia:
In 1997 I tried to start an internet gift shop after my husband had heart surgery. He suffered complication and was in IC for 5 weeks, then under constant care at home. I could not work outside the home durring that time. My sales were very slow, so my drop shipment company suggested I should take credit cards. This would have cost me nothing extra, except I needed a terminal. That is when the trouble started. I ended up leasing a $1200 software program through Leasecomm. Sales were still terrible and the payments along with my other expenses plus my husband's medication were eating us up so bad, that I could no longer keep enough money in our checking account to cover the monthly installments. When an installment was denied costing me a $23.00 NSF charge, I called Leasecomm and told them I needed out of the lease. I was told I could break the lease, but when I tried it was another story. I began receiving bills for $1000 which has since grown to $2000. They got a judgement against me in Massachusetts which is about 600 miles from here and I couldn't go because of my husband's disability. Now the sheriff here in Richland County, SC has contacted me with and execution of judgement. The deputy says they can force the sale of our home to satisfy this $2000 judgement, even though the property was never used as collateral. The collateral was the leased software, which I sent back and they returned to me. We are on a fixed income except for what I can earn part time, this is a 1963 mobile home on 2 acres of land. It is our only place of residence and in our income bracket, if we lose it we will be on the street. My husband could die as a result. I can't pay the judgement, what should I do? <HR></BLOCKQUOTE>


My response:

1. Take out a loan against the land.

2. Sell all or part of the land.

3. Declare Bankruptcy to get rid of all of your dischargeable debts, including the judgment against you.

IAAL


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[This message has been edited by I AM ALWAYS LIABLE (edited July 15, 2000).]