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A person is only judgment proof if there are absolutely no avenues available for a creditor to collect a debt. For example, California exemption laws [1] allow for single debtors to protect up to $75,000 of equity in a home. If your only asset is a home with only $25,000 of equity, you are judgment proof. None of your assets can be taken by creditors in satisfaction of past-due debts. Although, an Abstract of Judgment can be recorded that acts as a lien against your home and accrues interest for the time it goes unpaid.
The only way in which they can make you do it is if they go to court in order to get an order against you. 2. Unfortunately, you have been negligent (it would seem) and the chances are good that they will get a judgment against you, should you go to court.onsider that, if we could do that, some people would, for instance, take delivery of a car, after making an EFT and then tell the bank that it was made in error. So, the question is, did the bank gave effect to your transaction yet, or not. If not, they can still stop it.