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Creditors and Bankruptcy/judgement question
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Question
Hi, I have already asked the following once. I haven't seen an answer on my e-mail or on your previous answer list. I am divorced and a judgement was filed against me an my ex due to her turning in her car without me knowing it. I was in the process of getting the separation and my lawyer advised me to have her refinance the car to remove me from the loan. We never got to that point because she turned it in during this process. I have completed my exemption forms which means everything I own is exempt. I have no savings, real estate etc. Can they get my tax refund? Is there anything I can do to get myself out of a mess she caused? Thank you!
It is possible for a creditor to attach a tax refund once they have a judgment. And the best option you have is to negotiate a settlement or payment plan with the creditor before it gets to that point. Once a vehicle is turned in your options are limited. Sometimes you just have to bite the bullet and move on.
Sorry so grimm but it is what it is.
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Answers by Expert:
Michael Brotherton
Expertise
Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. We are well versed in Loss Mitigation practices and the legal collection process. We have helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. We actively promote Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).
Experience
28 years in financial services industry as a loan officer and debt collctor. Developed bankruptcy and loss prevention manual for large finance company for manager training. 15 years as a debt counselor and consumer advocate.
Education/Credentials
Veterans sponsored OJT Manager Candidate Scool for AVCO Financial Services, Keystones to Management for ITT Financial Services, Certified Finance Management for Associates Financial Services.
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