Duc Huy, a reader, faces a court order to pay over 130 million VND, covering principal, interest, and court fees, for an overdue unsecured loan. He borrowed 50 million VND three years ago for personal expenses. After losing his job, he lost his income and could no longer repay the debt on time, leading the bank to file a lawsuit.

Currently, Duc Huy does not have stable employment; his income comes from seasonal jobs, barely enough for personal expenses, and insufficient to fulfill the judgment. He also does not own any valuable assets in his name. He lives with his parents in a house inherited from his grandparents. The inheritance division process for this house is incomplete, and it remains registered under his father's name.

Given his inability to repay the debt and lack of personal assets, Duc Huy is concerned about the enforcement agency's actions. He questions whether the family's current home could be seized to satisfy his outstanding debt.

This query was submitted by reader Duc Huy, and Lawyer Dang Thi Thuy Huyen provides consultation on the matter.