Execution against goods and chattels, levy attempt

by Dorothy
(NJ)

I just received a notice from the plantiff stating that there is a levy attempt made upon my assets. I live with my husband. I don't have a bank account and I don't own any motor vehicles. I'm guessing they could come to our home and take personal property but how do they determine what is mine? Are they allowed to take property that is my husbands, including computers, etc? How does this process work and what do they usually take? Thanks


Reply from DebtCollectionAnswers.com:

Dorothy - This must be so stressful for you. We strongly encourage you to talk with a consumer bankruptcy attorney who can answer these questions for you and help you figure out whether you need to consider bankruptcy to protect those assets you do have. Every state is different when it comes to exempt property.

New Jersey is not a community property state, so your husband's sole possessions and assets are probably safe, but it can get very muddy with regard to things you have purchased together. (If you have joint bank accounts those could be at risk of seizure--all funds in them--so get legal advice ASAP.)

A consumer bankruptcy attorney is usually the right person to contact in these situations because they are familiar with creditors can and cannot take to satisfy the debt. If you need help finding one, you can get a a free initial evaluation with a bankruptcy attorney here.

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