My question involves bankruptcy in the state of: Virginia
My ex and I went to court over furniture from our apt. Unfortunately the judge decided in his favor. This decision was based on my ex having a credit card statement for the items and the judge apparently was not swayed by my argument that I helped pay for the items and that my ex moved out of the apartment without paying his share of rent or utilities. The judge recommended that we work out giving my ex the items and he'd dismiss the case altogether.
I have no intentions of giving my ex these items because I do feel I have a rightful claim to them. So that means that I will be on the hook for the $14K judgment. I don't have this amount of money however, I do make $55K. Can my ex come after me through wage garnishment? And what exactly is that process in VA (Arlington County)? How much would they garnish monthly? I live paycheck to paycheck and can't afford to lose any income to this debt.
I'm considering filing bankruptcy to get out from under the amount but would that work? 7? 13? Would I lose the furnishings in a bankruptcy (50" tv, bed, couch, dresser)? I make $55K, owe $20K on my car, owe $5K in credit cards and probably another $2K in past utilities (from my ex not paying these bills when he claimed he did, bills in my name). I haven't been able to make my credit card payments for the last few months and I just missed my first car payment.
Any advice would be greatly appreciated...I know I need to act quickly but I have no idea what I should do! Thanks!