My question involves judgment recovery in the State of: Florida
I am a 52 year old married homeowner in Florida living on a pension and a part time job. My husand has extremely debilitating arthritis. I have incurred about 30,000 dollars of credit card debt with assorted credit card companies. I am literally too broke to declare bankrupcy. My credit card debt has all been turned over to assorted collection agencys who are currently sending me letters offering me very low settlements. I should mention that one of the companies is Chase, who has been extremely agressive and very nasty. I can barely keep my head above water now, and sorry, I can't come up with x number of thousands of dollars in 10 days, etc. The house is in my name, I have 2 cars that are also in my name.
Here are my questions: Will they sue me? I know they can, but will they? If they get a default judgement, what does that mean in Florida? I have 2 cars in my name, can they take my cars? Can they come into my house or garage and seize my property? Can they seize my husbands tools and property? Can they garnish my pension? I know that Florida has good protection from creditors, having said that, I am at a true loss here, I cannot afford an attorney, what can I expect to happen in the next 6 months to a year? Any help will be greatly appreciated. Thank you!