They cannot sue you again because they already have a judgment. However, the judgments due accrue interest and the creditor can collect the interest in addition to the original judgment.
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The creditor cannot sue you again, but it can have a hearing on your ability to pay the debt by garnishment. So, depending on your current financial position the creditor may be able to get a garnishment. You need to consult with an attorney to understand your options.
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Yes, obtaining the judgment against you is only the first step in the collection litigation process. Next, the creditor has many options for enforcing the judgment, unless you put a stop to this process either by filing bankruptcy or by paying the judgment in full along with 12% interest. As you noted, the judgment has already created a lien against your home. However, if your home is paid for, their next step is likely to be either attempting to foreclosure that lien (leading to your potential eviction and sale of your home) or they may choose to obtain your bank account information from you via a supplementary examination, so that they can also seize any funds (via garnishments) which you do not properly protect in your bank accounts. You therefore desperately need to discuss this scenario with an experienced bankruptcy attorney if you wish to remain in your home or protect your other assets. If you do not cooperate with their information gathering process, the collector can even attempt to have you held in contempt of court, which can lead to possible jail. Again, however, a bankruptcy filing will end all of this. Please do not assume that I am your attorney because of my response here. Call my office in Racine (262-633-3090 or email email@example.com) for clarifications, but short of such additional arrangements, I will not be taking any action on your case. See me on the web at www.jayknixonlaw.com, or view over fifteen years of my past answers at http://www.lawguru.com/answers/search/attorney/jknixon, as well as past AVVO answers at http://www.avvo.com/attorneys/53401-wi-jay-nixon-1529181/answers.html. Answers may contain attorney advertising materials.
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