Ok real good then you have a better chance. Seems like you are planning to fight this and the q you want to know is if you lose how much can they get?
So maybe I was a little off base in my other post.
In answer to that. If you lose they could prob get large judgement.
The good news (sort of) is a bankruptcy will render all judgements null at the time of filing the br. Sooo as long as you dont have much to lose it is worth fighting. If you have lots to lose than that is your choice to make.
So these asset factors are very important. They have prob looked into you and feel you have assets thus the likelyhood of you fileing BR is nill (as you would lose most of your assets)
If you have no assets, they may be bluffing.
If you have no assets you hold the Joker in the game of 500. You have a gauranteed last trick that will protect you.
Being poor.. is a powerful weapon in our society. Being rich.. you got to walk on eggshells.