If a creditor wins judgement against me in the state of Massachusetts, what can they do to enforce it if I have no job? I lost my job a few years back and had to drop out of college. I only have 2500 in my savings, personal belongings, and i currently live with my parents. no car or income. would i be judgement proof? Would they try and come after any of my personal belongings or savings?
Answer
From what you've mentioned, your assets should be safe. There are certain levels of assets that are considered exempt from collection by law. A list of those exemptions for your reference is linked here: http://www.masslegalservices.org/node/35799. If you fall under these exemptions and the creditor still attempts to seize your assets, you should contact a collection defense attorney. They will be able to have the case dismissed and possibly assist you in asserting a fair debt collection claim against the debt collector.
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