Every state allows you to protect a certain amount of property from creditors, unless it is the creditor with the lien. If you are being sued, you should go to court and raise any defenses you have. You may even be able to settle. If anyone other than the original party has shown up, you can defend making them prove that they have a right to collect.
The judgment once entered is only half the story. The creditor has to file another suit to collect. They do not want anything that cannot be converted into quick cash. Here, you may need an attorney depending on what the creditor does to collect.
Mr. Goldstein is a Virginia-licensed attorney only. The information is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. Answering this question does not in any way constitute legal representation. Contacting Mitchell Goldstein or the Goldstein Law Group does not constitute legal representation, nor is any information you provide protected by attorney-client privilege until otherwise advised.