Credit Judgment in Texas

Many consumers do not respond to credit card lawsuits in Texas so a default judgment is entered against them. 

(If you currently have a collection lawsuit filed against you, please visit our website dedicated solely to Texas credit card lawsuits:
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.

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.

Creditors have several ways to collect on their judgments and the most common are a writ of garnishment and writ of execution.

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.

Many credit card companies and debt purchasers will agree to settle judgments 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:

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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Michael Weston provides Judgment Defense in all cities of Texas, USA :


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