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zoom | Is credit card debt in Texas a noncollectable debt, & can the card company's sue you? |
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SPIFIMAN1
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It is a collectible debt and yes they can sue you.
In the State of Texas, they can not garnish your wages, but they can attach bank accounts and file liens on any property you may own but only after they have taken you to court and got a judgment. |
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bdancer222
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If you ran up the credit card, it's your responsibility to pay the debt. The credit card company and andy collection agency that buys that debt can and will call you to collect. They can follow you right to the grave.
They can also take you to court, get a judgment, and attach your bank account, garnish wages, lein your house. Although I think Texas is one of the states that doesn't permit garnishment of the head of household's wages. |
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Deliah
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Non collectable credit card debt? Dream on! |
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shelcom
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of course you can be sued...and your use of the word "noncollectible" makes no sense. |
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Tomk
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No it is not a noncollectable debt. It is merely unsecured debt.
They can sue you up to the point of garnisheeing your wages or requesting a lien against your property to secure payment if the court agrees. Since this is unsecured debt, they have to sue you in court first for these things to happen. |
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CHRIS V
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Yes, you can be sued for an unpaid debt. The misconception with TX and FL is that you can't be sued because they are homestead states. These laws came about in the wild west era when people were losing their property gambling so the state stepped in and said you couldn't take someone's home for an unpaid debt (Unless it is the bank that finances your home). Unfortunately, we sue people all of the time in the state of Texas for unpaid, unsecured loans or cards. PLEASE do not listen to anyone that tells you to go with a debt settlement company. They are a joke. Our attorneys have sent them letters asking them to cease taking on our customers but they refuse. Then we tried to explain to the customers that we don't deal with these companies, but they've got people brainwashed. So now....If we receive notification you are with a debt settlement company or law firm, we send the account for legal action. It doesn't matter if it is one month or six months delinquent. Of course, the balance must be at least a few thousand bucks, but that's what they do. Oh, by the way...ignore the guy soliciting Credit Solutions. I know of three major banks that won't deal with them Citi, GE Money, and Bank of America. In fact...If you type Credit Solutions of America into a Google search you'll see what I'm talking about, the first result is their website and the rest are complaints and horror stories. Good Luck. |
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linda
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you can be sued. If the bill is less than 5000.00 USD you can be sued in smalls claim Court if more than that amount sued in a civil court. |
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GoldieRetriver
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In most cases credit card debt is unsecured. If the credit card company cannot collect they usually send the debt to a collection agency and it goes on your credit report. The collection agency will make contact and try to get you to pay. The collection may stay on the credit report for years or until paid. If you seek additional credit the collections will show up and usually you will not be provided additional credit.
I have never heard of a credit card debt going to small claims court, even if they win they still need to collect the debt. |
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