When you paid on the debt the SOL started all over again. So yes they can garnish your wages. If you a still considering Bankruptcy you could get in touch with the attorney you had and try and get your money back and request your paperwork and hire another attorney.
Yes, as far as I know the creditor can pursue the SC judgment in VA. However, that is an elaborate process requiring lot of money and ample time. Normally, creditors do not pursue cases like this. But if they want, they can. All the creditor will have to do is, file a petition in the court requesting to domesticate the SC judgment in VA.
what should I do now?
I think you should contact or visit the Virginia Bar Association in person to find out if they can refund the money that you paid to your last attorney. If they can do that, then you will get your money back. Also ask if they have any facility like appointing another attorney for you to process the bankruptcy.
Do this and let us know more. _________________ All the Best
Kim, I am sorry to hear of your bad times. I would call the bar association and see about the refund. If none of this works try calling around and finding atty's that may take payment arrangements. There are some who actually will do this. Even though abtaining a judgment in another state is time consuming you may want to just get the bankruptsy done and over with. I am not sure how long judgments last in SC but you do not want this hanging over your head, always wondering if they will come and collect. If there are a lot of creditors one may just do that. I would do your homework and explore all pssible routes.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.