My question involves judgment recovery in the State of: CA
I have a total debt over the past 5 years of approx. 60kUSD from a handful of (5) credit cards/banks.
Last payments were made to these accounts about three years ago.
I have been out of the country for the better part of four years but plan to return to the U.S later this year.
I will be establishing a residence address again and I'm sure this will trigger an onslaught of letter and visits from CAs.
This new address however will be in a different state than where my credit/debt is established (California).
Obviously, collection agencies have been unable to serve me, if they have intended to sue.
So if they file suit and win a judgement against me, sometime after i return to the US this year,
should i expect that they will freeze my bank account,
which for years has had an average balance of less than 1000usd?
Also, being unemployed without any assests (not even a car)
means they know that there are no wages to garnish or any other means of collecting.
strategizing the next step is imperative - probably filing for chapter 7, but for now....
Any thoughts on likely scenarios i may face post-return to the US, or likelihood of being sued at this point?
thx

