I may have two cards charge off very soon. I am doing research on the next steps to pay this debt if it goes to collections through an collections agency or attorney.

I am self employed in Delaware and keep my money in Delaware bank accounts. From what I understand as self employed I can not have my wages garnished, nor my bank account. I want to know if I am correct. Here is some research, I found two sites that talk about this, then found the DE codes.

Info:

http://www.debt-collector-problems.c...ebt-Guide.html
http://www.fair-debt-collection.com/...shments.html#8

Laws:

Exempt property.
http://delcode.delaware.gov/title10/...dex.shtml#4902
Exemption and attachment of wages.
http://delcode.delaware.gov/title10/...dex.shtml#4913
Corporations subject to attachment and garnishment. (I think this is a famous one)
http://delcode.delaware.gov/title10/...dex.shtml#3502

I want to use these laws as leverage when I am pursued. Is this in my favor? At the end I know a court order to pay is just that, but seems I have some tools here.

Thanks.