Debt collection is a multi-step process: Creditors can contact you to collect on a debt, but keep in mind that they may not make any idle or illegal threats – such as throwing you in jail, reporting you to social services, or taking belongings that aren’t connected to the debt itself. They can sue you and obtain a judgment against you for the money owed. The impact of these judgments usually lasts for numerous years. During that period of time, creditors can attempt to levy your property. This often involves garnishing your bank accounts or wages.

If a creditor has sent you a note or an exemption form because they are enforcing a judgment, this is a very serious situation, but not hopeless! Call our office to immediately discuss the options you have at your disposal to protect yourself and your family.