Q: I received a copy of a request for execution (NHSuperiorcourt)for $93,000 from a credit card co. What happens next?

A: They will execute on all bank accounts in your name so you should empty them fast.

A: I assume that you owe the money. Consider your assets, i.e., what you own, such as a house and any other real property, automobiles, stocks and bonds, and any other debts you may have - other credit card debt, personal loans, mortgages, and income tax arrears immediately come to mind. Also consider whether other creditors are moving against you in court. Your current income from any source and whether you're married will be important. If you own a house, determine its current appraised value and the balance owed on the mortgage. Zillow is a useful source of current market value. The same would be true of an automobile and a car loan. There, you may calculate the car's value. Once you've assembled your financial information, Then, take a deep breath, contact the New Hampshire Bar Association, and ask them for a referral to a lawyer who specializes in bankriptcy law. Once they've given you names and contact information, ask for a face-to-face interview. You need to form an opinion about the lawyer by seeing him or her face-to-face. Remember that choosing whether to file for bankruptcy will be among the most important decisions of your life. Good luck.

A: Transferring funds or assets could subject you (and recipients) to fraudulent transfer claims. If you have income or assets and even if you don't, I recommend you consult with an experienced bankruptcy lawyer. You might not need to file bankruptcy; however, a good bankruptcy attorney will be able to properly assess your specific situation and make wise recommendations. Don't put this off any longer. :-)