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linda stokes
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Thu Jan 22, 2009 12:28 pm
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| if a credit card company gets judgement against you in pennsylvania can they get into your checking or savings account |
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linda stokes
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Thu Jan 22, 2009 12:36 pm
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| What do you mean when you say when there is a credit in your checking account it can be taken to pay off your debt |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California
29555 Magic Points
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Fri Jan 23, 2009 9:30 am
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| Quote: |
| What do you mean when you say when there is a credit in your checking account it can be taken to pay off your debt |
This means that if a judgment for garnishing your bank account is passed, any money that gets credited into your bank account will be transferred to the creditor and this will continue as long as the judgment amount is repaid in full. In PA, it is true that wage cannot be garnished except for outstanding tax and alimony and child support obligations, but your bank account can definitely be garnished.
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goodnatured
Joined: 03 Nov 2007
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Posts: 3927
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cathy
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Subject: judgement
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Tue Feb 03, 2009 1:02 am
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| In the state of Texas can a credit card company get judgment and take any items that you own and that you have paid for. Is there a statue of limitations on on a credit card judgment? |
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Justin
Joined: 17 Jul 2006
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Posts: 1240
28942 Magic Points
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Tue Feb 03, 2009 8:50 am
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In Texas, the creditor cannot garnish your wages for recovering credit card debts. However, they can bring judgment to garnish your bank accounts till the time the debt is fully repaid. The Statute of Limitation on judgment is 10 years in Texas. This means that the creditor can execute garnishment order within this 10 years from the date the judgment has been passed. However, the judgment can be renewed before the completion of this 10 years by the creditor.
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peggy
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Subject: credit card judgement
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Fri Feb 20, 2009 7:31 pm
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| My father receives social security benefits, that is his only income. He was recently hospitalized and now requires a caregiver and blood work every week. He is unable to pay his credit card debt and just received a letter stating the account will be forwarded to an attorney to obtain a judgement against him. We live in PA, my name is also on the deed to his home. How can a credit card company place a judgement on you if the credit card is unsecured? My father in 82 years old and has health problems. I have tried telling the credit card company this on numerous occations, they call at least 8 times a day. I don't understand how a judgement can be put in place for an unsecured credit card. No real property was used to obtain the card. Thank you. |
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Debbiedo
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Subject: credit card debt but got married now have a new last name
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Fri Mar 06, 2009 9:24 pm
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| can Texas law garnish my bank account if my last name is different from the judgement I got before marriage |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California
29555 Magic Points
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Mon Mar 09, 2009 7:05 am
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Changing of your last name after marriage does not mean that you no more owe the debt. If the creditor brings judgment against you to garnish your bank account, they can do so and the process of garnishment of you bank account will continue till the judgment amount is repaid in full.
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Bill
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Subject: credit card judgement
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Thu Jun 25, 2009 2:27 am
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| American Express is in the process of filing court papers for a judgement on what was $38k, now appears to be $77k (with atty fees). Im out of work and can not pay. Will the attys attach bank accts right away? |
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rachael
Joined: 11 May 2009
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Posts: 234
6581 Magic Points
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Thu Jun 25, 2009 4:03 am
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Hi Bill,
If your creditor files a lawsuit for non-payment of debt accounts, you will receive the summons from court. To prevent a default judgment being entered on your credit file, you should file an answer to the summons, within the due date.
In court you will get an opportunity to explain to the judge that you fell behind in making payments, because of genuine reasons. You can also request for a settlement plan. If your creditor agrees to accept a settlement offer, it is also possible that the interest accrued on the actual debt amount and the attorney fees will be waived off.
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Looking forward to a debt-free life. |
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Freda
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Subject: garnishment of bank accounts
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Thu Jun 25, 2009 4:27 am
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Hi Bill,
I agree with rachael. American Express has to get a court order before they start to garnish your wages. Generally creditors send a garnishment notice to the debtors, before they begin to garnish the bank accounts.
You can escape garnishment, if you are able to negotiate with your creditor to reduce the debt amount. You may be able to cut a deal with them, which is accepted as satisfactory by both the parties (you and your creditor). If you expecting to be employed soon, you can request them to hold back payments (in case you cannot afford to make any payment). In that case creditors will require you to sign an agreement, stating that you will pay the debt amount as soon as you start getting your wages. |
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gloria412
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Subject: Garnishment from bank account
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Fri Jul 10, 2009 4:51 pm
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| My wages was garnished from my bank account although I did not admit to the charges if my wages are not direct deposited can they still charged me for this outstanding garnishment |
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Denise
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Subject: Judgement for Credit Card Debt
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Tue Aug 04, 2009 3:42 pm
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| Can a person who took out a $10,000 credit card loan for another person, get a judgement against them to pay back the loan, in California? The parties entered a written agreement that the borrower would deliver to the other, the monthly payments to meet the terms of the credit card company, but of course stopped payments after 2 months. |
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tfudger
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Subject: Credit Card Judgements
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Tue Aug 25, 2009 1:23 pm
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| I had credit cards go into default back in June 2004 while I lived in California. I tried a debt consolidation company but my major creditors would not deal with them. I moved to Indiana back in 2006 and now I have 2 of those "other" companies that buy your debt and they are trying to sue me for these outrageous amounts. What do I do? I went to court already for one and they never showed so the judge dismissed the case, but he told me the company could still come after me if they so choose at a later date. And the other one postponed the date and it has been 3 months. All they do is keep calling my house. Is there any way to stop all of this? How long can they continue to harass me? |
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