To levy personal property (other than a bank account), the sheriff will come to your home and make a list of your personal property. At a later date, the property will be sold at a sheriff’s sale, unless you resolve the debt first. (Typically, the creditor wil first try to levy your bank accounts.)

This process may sound a bit intimidating, and sometimes creditors use this process to try to force a settlement. However, if it happens, don't panic. The sheriff will not take your personal property right away. That being said, you may wish to ask the sheriff to come back at a later date. Then, call an attorney right away.