civil | Ohme's Home

When you owe debt to someone (usually a Big Bank) and they sue you, there is a very specific series of events that will happen.

The Plaintiff will attempt to serve you. If they do serve you directly (face-to-face), you have 20 days to Answer. If they have to serve the papers to you indirectly (through the mail, via a friend/family member, or by taping the papers to your door) you have 30 days to Answer.
You can choose to Answer in one of 2 ways:
1. Hire a lawyer
2. Go to the courthouse and file your Answer.
If you choose to do nothing (ignore), a Judgement will be entered against you by the judge.
If a judgement is entered against you, that is when they start doing bad things against you, in order to collect on the debt owed. These include:
1. Garnish your wages.
2. Take out leins against your property (including housing, vehicles, and anthing else they can find that you own).
3. Freeze your bank accounts.
If this does happen, obiously do what you can to prevent it -- give your car away, change the condo to be in your spouse's name only (unless they are also named in the lawsuit, then it won't matter), and move to an all-cash system. No bank accounts.

Below, we will examine 3 actual debt lawsuits and how they played out.