My question involves judgment recovery in the State of: Georgia
Four years ago I was trying to finish college and got in over my head financially. I got into credit card debt and was unable to pay. I attempted to make payments but couldn't keep up because they kept raising the interest rates. So all the debt went to collection agencies. As of this September it will be past the SOL so one agency rushed through a judgment against me. They won. The original debt was for a little over $6k. On my credit report it said that they filed the judgment for over $8k. Then it said that I owed the collection agency over $14k and yesterday they levied my bank account for close to $16k. Obviously I don't have that kind of money or I would have paid the original debt.
Now I have a few questions:
1)The debt was incurred years before I met my husband, it is my debt solely.
They have levied our joint account. How can I protect him?
2)He has business accounts that I am not connected to, but are with the same bank, can they levy his acccounts?
3)I do not work and have no wages to garnish, so what happens next?
I feel so helpless right now. I just want to do the right thing and I don't know where to turn. We can't afford a lawyer.