I finally talked to a lawyer today. He was quite suprised they would not deal and says they must think they can get money out of me (not sure what on earth would have made them think that as was already said, you can't get blood from a turnip). He also said since I am self-employed, once judgement has been issued and they start trying to collect, they can put a lien on the house and/or they can issue a general levy (I think that is what he called it) where they can collect from my bank accounts. Now I live in a noncommunity property state so if they try to take money out of a joint account, my spouse would show that it is his money and not mine (not sure if they can take first and ask later or what). My questions now are can they touch my kids' accounts since my name is also on them? Also we have an account in another state, which IS a community property state, so even if it is my spouse's money can they just take it? Anyone know how any of this works? If the hearing is on Monday, should I have my accounts cleaned out before then? Thanks again for your help.