i have researched and found out even if i am sued they cannot garnish my wages in Pennsylvania.
i also know that they cannot put a lein on my house because in my state they cannot do that if both the husband and the wife own the house and the card was only in one name. thank goodness none of them were in both our names.
so in a way i feel safe but an still nervous some will sue before we settle because some are high amounts. did you go to court? i figured i will use you legal advice on line that you suggested but wait until they actually proceed, right now they are just threatening. any advice you have i would appreciate.