What will happen if my ex gets a judgement against me

If you did indeed sign a contract which gave him sole discretion, it may be that the contract is enforceable against you.  However, if he failed to perform, that could be a defense. I understand that you have 2 questions: 1) how can you defend or fight this with little funds? and 2) what can he recover if you don’t? Regarding the first question, there are many firms, like mine, who charge a reasonable fee and as such the fees are manageable.  However, a simpler option might be a Chapter 7 bankruptcy which, if successful, would eliminate the debt for a flat fee, plus court costs.  If you elect to take no action, he will obtain a judgment by default and can enforce that against any personal property you own, including bank accounts.  The latter could be frozen which could cause outstanding checks to bounce.  I strongly advise speaking with an attorney about your options including how to make yourself judgment proof. I trust this answers your questions but do not hesitate to call or email on a free initial basis.   Matthew R. Nahrgang, Esquire 35 Evansburg Road, Ste 400 Collegeville, PA 19426 610 489-3041 o 610 489-3042 fax mnahrgang@verizon.net nahrganglaw.com