we live in fl and she was told that the credit cards can not put a lien on anything.
I am not worried because she owns nothing,no house,no bank account,no land,no stocks,no bonds nothing,she is 25 and owes the credit cards,irs,student loans that are in default,and has an eviction on her credit report and 2 repos on cars,one a volunteer repo and the other where her husband got drunk and plowed her truck into 3 cars.
I want to help her we don't really know where to start and since she ownes nothing what would the courts do ,all I can think of is garnish her wages but she works for a man who pays