Credit Card Judgment in Texas

Credit card lawsuits are on the rise in Texas and unfortunately most of them end up in default judgments against the consumer because a written answer is not timely filed.  It may be possible to vacate the judgment if the judgment is recent.  There may also be a question on whether or not you were properly served with process.

(If you currently have a collection lawsuit filed against you, please visit our website dedicated solely to Texas credit card lawsuits: www.TexasCreditCardLawsuit.com).
A credit card judgment in Texas is no different than any other judgment in Texas.  Creditors have the power to garnish your bank accounts by filing a writ of garnishment. Do not confuse this with garnishment of wages.  Creditors can NOT garnish wages in Texas, but once you deposit your paycheck into the bank, it is no longer considered “wages” and is fair game for collection.

A judgment creditor can cloud title on your homestead which will likely prevent you from selling or re-financing your home.  Most title companies will require that you obtain a partial or full release of the judgment.  We routinely help consumers in obtaining releases.

If you own property such as a rent house, the judgment will attach to the property after an abstract of judgment is filed and the creditor can actually force the sale of your property at auction to pay the judgment with a writ of execution. 

Many creditors will agree to settle Credit Card Judgments in Texas but it is not advisable to do this without a licensed attorney.  If you settle, you should obtain a properly prepared and filed release of the judgment from the creditor. 

If settlement is simply not possible, the best way to completely discharge a judgment is by filing a Chapter 7 Bankruptcy.  To find out more information regarding Bankruptcy please visit our dedicated website: www.Texas-BankruptcyAttorney.com

If you have a judgment that was rendered against you, please contact the law firm of Weston Legal PLLC by calling, emailing, or completing the contact form on this page.  We offer flat fees and payment plans.

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