Does anyone know if Texas garnishes wages for credit card debt collections if a judgment is granted?

Answer 1

No. Only wages for back child support can be garnished in Texas. Your income tax can also be garnished for non payment of student loans also, but not for credit card debt collections. After a judgment a creditor must follow certain guidelines to collect. The only way they can collect is to place a lien on your property. Texas is careful about what a creditor can collect. You're entitled to your car, a certain amount of household goods, and an exemption of up to $75,000 for your homestead (the home you own). If you don't own a home you pretty much don't have anything to worry about. And, generally speaking, unless you're wealthy the credit card company will not seak damages because of the cost associated with the bad debt. Most likely you will have to endure 7 years of bad credit reports and that is all.

Answer 2

once you have not any money, no sources and they could't garnish wages, then allow them sue! What are they gonna get? i'm shocked they could even problem! i'm very shocked any lawyer might want to even take that case. also, basically be particular you answer the criticism. in case you fail to reply to the criticism, the courtroom will enter a default judgment interior the sequence organization's choose and also you'll be required to pay in spite of if the debt isn't valid and/or the sequence organization doesn't own the debt. there's a lot trading of money owed that is going on interior the gadget that the sequence organizations likely don't have evidence or do not even understand for particular who owns the debt. i might want to imagine that could want to be even more effective likely with older debt. If the debt has been bought from collector to collector through the years, then each organization in that chain might want to be ready to practice that they truly owned the debt on the time they bought it. it will be very virtually no longer a threat for them to attempt this. this is the problem with the banking and credit gadget. they don't even LEND money, they carry money, so in the adventure that they convey mutually even a million charge with interest from you, they have made a income, and once you pass out and use your credit on your man or woman loan or mastercard, it is going to likely be presented to that economic organization or yet another economic organization for a deposit, which they could divide by potential of the fractional reserve criteria and use as a foundation to make extra loans and value more effective interest. in case you want to value interest on a good number of money they don't actually have!!! yet they imagine no longer something of attempting to smash your existence attempting to assemble each very last cent! it really is genuinely disgusting!!!

Answer 3

doubt it
never heard of someones credit card actually taking them to court for payment

usually it goes to a collection agency for payment,
bad credit blurb staying on Credit Report for 7 years since last payment made

Answer 4

you should try out this site. it gives you quotes on different offers to help you eliminate your debt as soon as possible.