2.1.6 Reason #6: Protection of the Consumer’s Assets and Income

A judgment for a collector can have serious consequences for the consumer’s assets and income.²¹ Assets in bank accounts are likely to be seized. Wages can be garnished. Cars and other property can be seized. Defeating a collection action can eliminate these threats. Even if a default judgment has already been entered, an attorney can assist the consumer either in setting aside the default judgment or in minimizing the impact of these creditor remedies by making sure that state exemption rules are enforced.