My mom lives in Assisted Living in California. She ran up some credit card bills a few years ago and can't repay. She received a Summons for court, but we didn't understand that we had to file paperwork within 30 days, now the court says they can file a judgement against her...What does that mean? Her only income is Social Security and a tiny pension from my deseased father. What is the worst thing that can happen to her?...can they issue a warrant for her arrest? And what's the best way to protect her Social Security payment? Another CC company already tried to garnish her checking acct once, but the bank called her, they understood her situation, and they rejected the garnishment and put the money back in her accout. What do we do to stop this? California insists on direct deposit, otherwise I would get her paper checks. She doesn't care about her credit score, she doesn't have any assets to protect like a home or car, just her checking account where the SS payment comes in and goes right back out to pay for her Assisted Living Facility. So, again, what's the worst case senario here? Thank you for any advise.
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Worse that can happen with credit card bills?
When you receive summons, you need to give a reply within a certain time period. Since, your mother did not reply, court might file a judgment against your mother. But, as your mother lives on social security benefit; so she will not suffer from wage garnishment. Your mother can also consult with a lawyer and get advice from him.