Debts and Credit

I have received a 'warrant in debt ' in the city of 'Danville , Va. It is for a balance left after my medical insurance paid it's part. I have no income. My husband is self employed and not included on this bill. Our only bank account is the one in our business name. The only vehicles we own are at least 15 years old and are all trucks for the business. We are purchasing the home we live in from a mortgage company. I have made several payments on this medical bill , but could not do so consistently because of the lack of credit available and the very erratic cash flow from the economy and the horrible winter , which made it hard to even pay the very essentials. I do not feel I am able mentally or emotionally to go to the court date. I understand this basically means that a judgement will be placed against me for the debt. First , I have been able to make two consecutive monthly payments, because I could , not because of the warrant in debt. I have always had every intention of paying this bill. We have even had to give up our health insurance . All I can do is to try to keep making monthly payments ( hopefully, regularly ) . Will they be able or want a lien against the vehicles ( they are all for the business)? I don't doubt they will place a lien against my house. It's in mine and my husband's names. Will the lien just stay there , on my record , until the full amount is paid ? The amount I owe is about $1,750.00(seventeen -hundred and fifty dollars ). Will they want us to sell our house or just keep the lien in place until the medical bill is paid in full ? I would love to be able to send the court a registered letter and explain this , but doubt that would be sufficient.

In a civil judgement may a husbands wages be garnished to collect on a judgement against the wife and are there any other means available to collect the judgement?

My husband took out a business line of credit for his company. He died in February and I was told by the bank that since my name is not on the loan document and the loan was an unsecured loan, that I am not responsible for payment . still receiving bills for payment. I have already sent them a death certificate to prove my husband's death at their request. I am still responsible for this debt?

I live in Georgia and my mother had a stroke 5 years ago with landed her in a nursing home. While in the nursing home she became late on a credit card account (15,000) which I tried to pay on numerous times but they told me they would only talk to her (a person who didn't even know her address anymore) I was told to send them My POA only them would they talk to me I sent them a copy this didn't help matters any they just used it to harass my friend (who was the witness at the signing) and her entire family about the debt. I was harassed as well as my husband and his family. They insisted they wanted to speak to my mother. I consulted a bankruptcy lawyer who told me the credit card company doesn't care of my mother is confused they just want their money. She told me since my mother is on SSI, can't work, doesn't have a car , as long as I kept her house payments current things should be fine. She was right they just stopped calling. My mother, who is in nursing care again, just received another letter from another law office stating that she write them in 30 or they will assume the debt is valid. Now I'm confused and have no idea what to do it is a 4 year old debt and they are not giving me any options which my friend told me they are probably getting prepared to sue my mother. They don't care that she can't stand trial. I'm afraid to call them or they will start harassing me again. I just want to work out a payment situation with them. Do you have any suggestions?

Credit card company charged me for merchandise I did not order. I asked them numerous times to credit my account. Instead of a credit, they keep adding finance charges and late charges. In addition I am getting threatening letters from collection agencies. I am quite frustrated with the treatment I am getting without a solution to my problem. How can I clear up my credit history?