If I have no job, can I be sued by credit card company for payment?

Answer 1

yes dummy

Answer 2

Sure they can. You may not have a job now but you will some day.

And no a judgment does not have to come before buying a house. A judgment can come whenever and doesnt have to go untill you file BKC.

They can sue you, get their judgment and sit on it. Judgments are good for 10 year and can be renewed atleast once in some states so that means 20 years and in other states like CA they can be renewed over and over.

So if you get sued...if you put money in a bank account it will be gone, if you have property they will file a lien, if you have asstes they will attach and if you get a job they will garnish. Plus if they sue you and they will be awarded attorney fees, interest and all kinds of other junk. You will end up paying more.

Be sure you take care of this before it goes that far. For a bill collector its not what you have...its what you can get.

Just talk to the collector and make mini payments for now.

Good Luck

Answer 3

Well from their point of view, you saying that you don't have a job does not necessarily mean that you have no ability to pay them back, either now or in the future. Don't you think that you borrow money from someone, you have a moral as well as a legal responsibility to pay it back, or at least try to?

I guess if they gave you a line of credit when you had no demonstrated ability to pay it back or if you have a bad credit rating, then they bear some of the responsibility also. I sometimes think that banks lend money to people to buy houses that they can't afford because they are planning to foreclose. B*stards!

Sometimes credit companies are open to settlement offers. It takes time and trouble to sue somebody. If you owe $5000, they might settle for $2500 to wipe out the debt. You still have to find $2500, but it's less than $5000, eh?

Answer 4

Yes, you can be sued because you incurred the debt. Sometimes, creditors will offer those Credit Safety programs to help you keep up with your finances in times of illness or loss of employment. It is very reasonably priced and worthwhile in this type of situation. My suggestion is to at least make an effort to pay the minimum so you don't have gaps of non-payment and keep your credit intact. Obviously you cannot continue to just pay the minimum over a prolonged period.

Answer 5

Yes. If you owe them money. Owing money has nothing to do with employment status.

If you owed me money, and didn't have a job, I would still sue you. Why should I care if you have a job. What if you don't have a job because you are weathy.

Your credit card agreement probably didn't say you could stop owing them if you didn't have a job, or lost it.

Answer 6

yeah

why should you not having a job stop the credit card company from getting their money

Answer 7

You can always be sued.

You might think so what, they can't dock my pay because I have no job, right? But they can sue and win to get a court judgment against you.

Then they wait until you DO get a job, or inheritance, or win the lottery.....then swoop in and claim what the court says you owe them.

Answer 8

Ummmm...yeah. Not working is no excuse for not paying your bills...especially credit card debt that you incurred!!! Get a job and stop being such a debtor.

Answer 9

Yes, but it is really hard for them to take part of your salary. And oh yes. you have to pay when you get a job.

Answer 10

yes, they don´t care if you don´t have a job. they want their money and they don´t care how you get it. they told me once they would take my car, they sued me, and the judge gave them the order that said they could take my car if i don´t pay them. i told them the mechanic has it, good luck.

Answer 11

Yes.

You owe them the money, you borrowed it fair and square, they held up their end of the bargain. It's not their fault you don't have a job.