Here is my situation. I have a court judgment agai
Here is my situation. I have a court judgment against me for a Bank of America credit account in the amount of 11,000. I have a letter from long past due (I've made no payments for over two years) Capital One offering me a "last chance" choice of three options. All three options require payments of 1,000-3,000 dollars beginning in March. Both are from a previous marriage; the first my ex defaulted on but I am liable. The second is mine. I am remarried and unemployed. I have no property in my name, no bank accounts, etc. I do not live in a community property state. Question #1: I would like but do not need to return to work. I do not want a new employer to receive a wage garnishment letter, so want to settle both debts with some sort of payment plan BEFORE I return to work. Can a debt settlement company help me with a debt that already has a judgement? Question 2: Even though I do not live in a community property state, will filing taxes married/filing jointly with my husband affect his liability for my debt?