What happens next after a judgment is made against me?
Mon, 02/13/2006 03:11
If a judgment against me is granted by the judge in my upcoming trial for an unpaid credit card debt, what happens next?
I am unemployed so there is no wages to garnish and I have no bank account. Can they make my husband pay the judgment even if he is not involved in the case? His name is not on the credit card nor was he a co-signer on the card.
I do have a home and we are still paying a mortgage on it. Can they put a lien on the house or take our car? I am with a debt settlement program and am trying to pay all my debts through them. This is just one of several more credit cards that I am trying to pay off.
Can they force me into declaring bankruptcy? My main concern is that my husband is not held responsible for my debts and that his paycheck is not garnished. Thank you for any info.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.