Q: I'm 50 y/o, disabled & not worked since 2010. I'm being sued for $21k credit card debt. Do I need a lawyer?
Due to being unable to work, I lived off of SSI/disability, my savings, my cashed in 401K, support from my family and credit cards beginning 2010. I successfully paid on my debt until 2018 when I ran out of savings and had to move from FL to TN because I could not afford to live in FL anymore. Now, I'm being sued by a very large bank for defaulting on their credit card.
A: Research the Exemption Statutes in Tennessee. Carefully select what properties you wish to declare Exempt and properly notify the Court and the Creditor's Attorneys in a proper Notice Of Exempt Property. Expect to be questioned about your assets at least every year. Go to Court and respectfully dispute the amount claimed if it seems too high. Do not let a Default Judgment go down, but admit to a proper Debt amount, then Exempt most everything from Garnishment/Execution.
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