Site: nolo.com
... to make payments for a personal loan or medical bills, the creditor can sue you for the debt they claim ... In fact, it’s a bit of a misnomer because the creditor can sue you and get a judgment. ... However, most creditors won’t bother to sue if they know that you’re judgment proof. ... Again, after a creditor sues you and wins, the court issues a money judgment. ... If a creditor sues you and you believe you’re judgment proof, it’s usually a good idea to ...