“Judgment proof” THERE IS NO SUCH THING. Only someone who has discharged a debt in bankruptcy can be “judgment proof” as to that debt.
Otherwise, it is a fallacy perpetuated by the uninformed.
Even if someone has only SS and no property to be attached, a creditor may file a suit, entering a judgment, garnish, record liens, establishing citation proceedings, seeking to garnish them, etc A debtor still has to appear in court and claim an exemption or appear at a citation so it does not turn into a rule to show cause or a body attachment.
Judgments remain for 10 years and can be renewed multiple times, and there is nothing preventing a creditor from collecting on a judgment with property acquired in the future. Often, debtors do not want to deal with all of this, and that is why they file bankruptcy. It is entirely false for someone to allege a debtor does not need to file bankruptcy because they are “judgment proof.”
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