Voluntary dissolution of writ of garnishment

Hi, I'd appreciate any insight into my situation. I had a Chase credit card go bad. They sued me and won a default judgement. Froze my bank account. I hired an attorney who filed a claim of exemption because I was the head of family supporting 3 children on my own. (I left an abusive marriage. I had restraining orders and everything) Anyway, Chase did a Voluntary Dissolution of Writ of Garnishment and that went away. I want to file a motion to vacate the judgement. Can I? Do I need to go back to my attorney?

It really varies by state and most have established deadlines for filing to vacate in a default judgment. Also, if the debt is yours, even if you are successful in getting the default judgment vacated because you weren't properly served or have a valid reason you couldn't appear, etc, Chase can refile against you. They may not be able to garnish but they can win a suit against you. In most states, judgments can be renewed collectible for years...my state allows 20 years. The other kick in the teeth is that if they renew the judgment years down the road, the CRAs are allowed to continue to report them as long as they are enforcable. I believe they can report for 7 yrs 6 months from filing if paid. If not paid, they can report beyond that if they are still enforcable in your state.
If you can get the judgment vacated, it would be best for you to settle, pay, or set up a payment arrangement to prevent them from just getting another judgment if the debt is yours and valid and within SOL.
I would definitely consult further with your attorney. Good luck!!

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My wife and I share an iMac, but use separate User accounts for separate mail accounts, etc.
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Thanks again, V.K., for your assistance and especially for the very prompt responses.
I was unaware that I could create a volume on the HD non-destructively using disk utility. This may then turn out to be the better solution after all, but I will have to free up space on this HD and try that.
Also, I was obviously unaware of the special treatment of file creation by TextEdit. I have been using this to test my various settings, and so the inheritance of ACLs has probably been working properly, I just have been testing it incorrectly. URGH!
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