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Posted on Thu Jun 11, 2009 4:39 pm  

I need some advice... I have a judgement on my credit report in the state of TEXAS......This is from an old credit card debt. THIS account has been sold to 3 different collection agencies...They are now calling me and sending me letters that they are gonna lein my home, make me sell any property that I have and lein my bank accounts..


THANKS for any advice you can give me..

my email address is ""

[Link deactivated as per Forum rules]

Joined: 11 May 2009
rachael's page
Posts: 233

6576 Magic Points

Posted on Fri Jun 12, 2009 4:02 am  

Hi Lauriemchin,

There are certain laws regarding collection of judgment amount in the State of Texas. They are as follows:

1) The collection agency can place a lien on your home, but cannot force you to sell it.
2) Your bank account cannot be seized, if it is a joint account with your spouse.
3) Your wages cannot be garnished except for child support, student loans or federal taxes.
4) Your personal property is exempted from seizure up to a certain limit.
5) If you have only one car, it cannot be sold to pay off the judgment amount.

I would suggest you to contact the collection agency and try to pay off the judgment amount. If you cannot afford to pay down the full amount, you can also request for a payment plan.
Looking forward to a debt-free life.
Elisha Jones

Subject: Illegal Sell
Posted on Tue Oct 20, 2009 12:50 am  

My property was sold due to a credit card debt that is not mine. I live in Dallas, Tx. This is an illegal sell. There is a mortgage on the property. Mortgage company has 1st lein which I am still paying, yet I have a lady fighting me with a constables deed stating this is her house. The house is leased out thru section 8 which is thru the county. They are paying the other party, I am paying the mortgage, making repairs, insurance and have just been billed for my taxes. The attorney who did this states, after 4 months he will file a Release of Deed but he is dragging his feet. Help. Do I need to sue? How long does it take to reverse this if a release of Deed is filed? This attorney who is the debt collector is also the attorney you would call if you are tired of being harrassed by bill collectors and so are many others. Any advise as to an attorney you can trust.

Subject: Texas Lein
Posted on Thu Jul 14, 2011 11:01 pm  

I just got called by a collector saying that they will be serving me with a judgement, I live in Lubbock Texas and I have no clue what the laws are in texas concering this. the only thing that i am wandering about is can they really freeze my bank account, I have my check direct deposited and my husband is disabled and he gets his disablility check deposited.

Subject: Texas Lein
Posted on Thu Aug 18, 2011 4:03 pm  

No, they cannot freeze your bank account in TX. They only thing that will happen is the judgment will hit your credit report and you won't be able to get a mortgage until it's paid. simple. But the kicker here is that a bill collector cannot issues a judgment. Only the credit card company can do that. If the credit card co. has sold your acct to a debt collector, then no judgment can now or ever be made against you for this debt. If this is a bill collector threatening you, my bet is they're bluffing. no worries.

Subject: Judgements
Posted on Fri Oct 07, 2011 3:33 pm  

How long can a judgement legally stay on a credit report if the judgement was filed in the state of Texas?

Subject: Business/Lawsuite
Posted on Mon Nov 26, 2012 1:44 am  

I own a business and had to go to court in texas the judge has not ruled on the case. If the planif wins can they garnish my personal bank account or just the business bank account? Can they take my house or my car I onlly have one personal car but the business has a 2006 van and I am still paying on it.

Subject: Business/Lawsuit- Same Here
Posted on Mon Dec 10, 2012 8:01 pm  

My question is the same as Lynnie, the judgement was awarded against me and my company. but the kicker is that my name was spelled wrong in the law suit...

Is this judgment legal against me... And can they take or sieze my business account.. I understand the Plantiff can do a writ.. What is a writ and how does it work?

Subject: Lawsuit
Posted on Sat Dec 15, 2012 10:35 pm  

I have received a letter from an attorney saying he is going to put a lawsuit against me and my husband the suite is from 2008, My home is homesteaded and I am on Social Security. I had became ill and know I am disabled what is the rights, this is a 10,000.00 judgement.
Thank You, Lorine40

Subject: Part 2
Posted on Sat Dec 15, 2012 10:39 pm  

I forgot to tell you that it states that this is a debt collector, But he states he is an attorney. Please help !!!! Lorine40

Subject: judgement
Posted on Fri Feb 22, 2013 9:35 pm  

I recieved a letter from a collection agency stating that i owed them 28,000.00 dollars for a credit card co. i had never heard of.I sent a letter back stating i wanted to see proof that i owed this debt.They mailed me a copy of a judgement that was eight years old and was filed by a completely different company.My question is can a judgement be sold from one collector to another in the state of Texas.

Subject: judgement
Posted on Wed Jun 26, 2013 7:20 pm  

If my witness cannot appear during court can I have a statement snt notarized?

Subject: Civil Citation
Posted on Fri Dec 27, 2013 8:52 pm  

I received a civil citation from a server on 12/24/13. The server was standing at the front door and someone in the car was blowing on the horn to wake us up. My son answered and he proceeded to tell my son i was getting sued and needed to respond in 20 days. What are my options? I do not have a job and can not afford an attorney. It is a credit card debt that was bought from someone else. The credit card debt is several years old. Can they freeze my husbands account if they win and can they collect if we sell our homestead? Please help I am getting ulcers on this. Thanks.

Subject: judgement
Posted on Mon Apr 07, 2014 6:51 pm  

i have a judgement against me...if my husband buys a house (for sale by owner) can they put a lien against him after he owns it. my name will not be on the house at all.

Subject: judment
Posted on Tue May 27, 2014 2:44 am  

I my credit card was debt was sold. They threatened legal action. I thought it was illegal. Now my bank account has been seized! My whole paycheck for the month has been seized. what do I do now? pay for legal help and I don't have any money now...

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