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About Regan Shinski
Expertise
I can answer questions on collections, repossessions, bankruptcy, credit repair, credit counseling, FICO scores, credit planning, and the cause and effect of credit related decisions. I can also answer questions on collection settlements and preparing to sue your creditors for false debts and credit credit reporting.

Experience
Fifteen years ago I was financially devasted due to severe health issues. I filed bankruptcy, had a foreclosure, car repossession, tax lien, and ruined credit. I immersed myself in credit law. I settled dozens of accounts and had them removed to improve my credit. I personally sued four creditors and collection agencies and won cash settlements for their false reporting on my credit reports. Since then, I have completely recovered and have nearly $100,000 in revolving credit lines and perfect credit. I have owned a credit repair company for the past five years and have an additional three years of specific work in the collections and debt management industry. I am fully versed in the Fair Debt Collection Practices Acts (FDCPA), Fair Credit Reporting Act (FCRA), and have used them successfully in collection settlements and lawsuits for myself and others. I am also familiar with and abide by the Credit Repair Organizations Act (CROA). I have deleted or helped delete literally hundreds and hundreds of derogatory items from consumers' credit reports and helped negotiate many settlements with collection agencies and creditors. I have also advised people on bankruptcy at any stage. In the current credit market, I have successfully advised numerous people on how to obtain credit and how to negotiate for better terms.

Education/Credentials
BA University of Minnesota

You are here: Experts > Business > Corporate Law > Collections Law > Collecting lawsuit money from SSI recipient

Collections Law - Collecting lawsuit money from SSI recipient

Expert: Regan Shinski - 10/26/2009

Question
State of Ohio: I've recently won my civil lawsuit for $1,500 against my nephew, who is on SSI. He doesn't own property, no job, & no bank account. I can file a garnishment thru the courthouse, but that doesn't pertain to SSI. Court system cannot do any more than what they have.
HOW DO I GET MY MONEY FROM HIM?

Answer
Hi Melinda:

If there is no real estate, bank accounts, or income other than SSI your only possible route is through personal property. SSI is exempt (protected).

The laws in Ohio are complicated. Like most states some personal propery is exempt. I suggest you read through the following link, which shows what property your nephew could list as exempt:

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

If you think he has personal property that does not fall within the exemptions listed in that statute, you go through your local sheriff's office to collect. You local sheriff or law enforcement office should be able to give you the forms and explain the procedure. In most jurisdictions, you file the paperwork with them. Once done, they go to his property and confiscate property they feel would help satisfy the judgement. At some point, they sell it at auction and the proceeds are given to you. It's not the easiest way to satisfy the judgement but it can and is done everyday.

It appears your judgement is good for five years in Ohio but can be renewed for up to twenty-one years so be sure to stay on top of that. His situation may change down the line and you can still collect at that point if you keep up on your end.

Good luck,
Regan

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