I’ve been served for debt.
This story is so long and screwed up. I'll try to make it as short as I can. My husband and I are about $40k in debt. I had a baby and when my husband's ex found out I was pregnant (she always threatened us never to have children), she went ballistic. She called the state and lied and said that my husband had never paid child support. He went to court and proved that he had actually paid it, but the court would not accept proof from him, only an affidavit from his ex. If she doesn't say it was child support, it's considered "gifts" and doesn't count. Anyway, he had some of what she claims he owes her ($20k total) removed from his debt. Still, the state is garnishing 50% of his wages for the rest. Five years ago, we owned a house, but got foreclosed on and the bank took our house. They are only JUST NOW sending us mail saying that we owe them $18k. I have NO idea why or where that came from or why it took them so long to tell us when we didn't owe them any money before. I also have a lot of money in medical bills. I had to go to the emergency room for an ectopic pregnancy a couple of years ago and had to stay in the hospital. I don't even know how much that is. I think it's around $12k. We also have two credit cards (about $4k each) that we used when we were homeless to pay my husband's child support and to buy food. We fully intended to pay that off, but one bad thing after another happened. When the collectors started harassing us, I called a lawyer and asked if there was a way to get free legal aid. She said there is none offered here, but she told me to just ignore the collectors because there was nothing they could do to me. I don't own anything and my husband's wages are being garnished so they can't be garnished further. She told me they would not sue me because we didn't have any money. Boy, was I wrong. Today I was served papers for $4k and I have to be in court next Friday. I'm not sure what to do. Has anyone been in this situation? I have so many issues. For one thing, we have no - and I mean NO - money. Everyone tells me to just get a lawyer because it will be worth it in the end, but those people have no idea what it's like to not even be able to scrape together enough money to eat. It's so easy for people with money. We have no way to make even a few dollars to pay for a lawyer, so that's not even an option. Also, I have to take my baby in with me because we don't know anyone here and we don't have any money for child care. My husband has to go to work that day. The company can't function without him and he will lose pay if he takes time off. Will I be in contempt of court if I take my baby in with me. I know they will just think I'm bringing her in to make them feel sorry for me, but I'm not. I'm a stay-at-home mom and I try to do some freelance work on the side when she will let me. If I can't pay (and I can't) will they send me to jail? I don't know what to do about my baby. I'm so scared! I don't own anything at all. I'm on welfare. I have not a penny to my name. Our bank account is overdrawn every month. We live in an efficiency and can barely afford food.