Q: I am being sued by LVNV for $980 Capital One credit card debt and I am homeless. How do I handle this? Thank you.
A: You can either file an answer or ignore it. An unsecured creditor can only collect a judgment from any non-exempt assets you may own. Texas exempts a wide variety of assets including up to $100,000 of personal property within certain specified categories. Most homeless individuals do not have any non-exempt assets from which an unsecured creditor can collect a judgment.
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