<prompt> Human: So a couple years ago my roommategirlfriend stopped paying rent in our NYC halfway through our lease.After the horrific experience going from housing court to Supreme Court in NYC, representing myself pro se I finally was able to retain counsel through a family member.Long story short, there is a total judgment against myself and her in the amount of 80,522 plus interest. Im told the landlord is entitled to enforce this judgment by garnishing my wages, putting a levy on my bank andor a lien on your property and that I should take whatever measures i need to in order to protect my assets as the landlord is going to attempt to collect on the judgment in any way they can.Im going to take a shot and proceed with an appeal against the default judgement but I feel my chances would be better in Vegas.I am a 23 year old, broke grad student going to school full time. Other than a car out of NY state thats in mine and my mothers name I have no assets to speak of. I am not currently working and other than a measly 1.5k in savings, I keep all of my money under my bed.Am I an uncollectible debtor? Should I cut my losses and file for bankruptcy? Should I transfer ownship of my car over? Is a sheriff or marshal going to kick my door in and start evaluating the value of the things in my apartment?Has this happened to anyone else?Needless to say this is stressful and as a long time lurker of this sub Im hoping Reddit will give me an idea of what to do to protect myself. Any advise is greatly appreciated!  <response>: Is a sheriff or marshal going to kick my door in and start evaluating the value of the things in my apartment?lol, no. Am I an uncollectible debtor?it does seem that way to me. Keep in mind though that just because you cant pay now, doesnt mean you wont be able to in the future. The debtor might be willing to wait and play the long game. Should I cut my losses and file for bankruptcy?It is something I would consider. Talk to your lawyer about your options regarding that. 