Credit Card Debt In Texas

I'm being sued, and I want to find out if a lien can be placed against my home for credit card debt. Will I have clear access to the title if I ever decide to sell.

Yes they can if they take you to court and get a judgment, they can also attach bank accounts but can not garnish wages in Texas.

They can not take your home but if you sell it the lien will have to be paid out of the profits.

2008-09-03 07:02:16 by Jacqueline B

Do you know the real cost of using a credit card? Robyn Beck does - now.

What can reactivate a dead account in Texas if is already a dead debt?
can other agencies buying the account keep it active?

The SOL on credit card debt is 4 years in Texas.
It can not be reset if another purchases the debt.
It can be "tolled" (stopped) while a person is out of state, but upon returning the clock re-starts from where it left off.

Also Texas is one of the few states the prohibits wage garnishment.

Hope this answers your question

2008-09-29 06:36:10 by nurse 844

Price: $22.95

Well all I read is how you can't have your wages garnished in texas for credit card debt, but I can never seem to find the statute or law that backs it up... I know this is true, I just want the statute and section.

Here's what I found with one quick Google....see if your answer is in here: http://www.peopleslawyer.net/bills.html

2009-02-21 05:10:38 by john s

A creditor called me and said that they will be taking me to court to pay the debt I incurred and I want to see what will happen if a judgment is put against me. I know wages cannot be garnished in Texas though. Help please.

Texas has a rather complicated garnishment code in that wage garnishment is only allowed if the judgment creditor has no other means of executing the judgment for monies owed.

This is somewhat misleading as Texas does allow bank account levy, so all the creditor needs to do is enforce the judgment against the debtor's account.

FYI, even joint marital accounts are subject to levy although only one spouse may be named on the judgment writ. Accounts held jointly by persons not married can be levied to the extent of the funds belonging to the debtor.

2009-05-20 12:22:43 by lilmomma554

I failed to show up in court and now an attorney is saying Chapter 13 bankruptcy is the only way to go. I don't want a lien put on my rent property. I heard they can even auction it for the debt. Is it too late to make them prove it's my debt to delay this for 30 days? I have 1 week left to answer the post judgement interrogatories.

Why not just pay the debt or make arrangemets for payments to the legal firm handling the court case?

The time for monkeying around with "prove it's mine" are long gone if there is a post judgment. You pretty much gave up the right for any proof when you failed to show up for the court hearing.

2008-02-19 01:43:45 by Need Answer