What if I Cannot Settle Because I Have No Money?

In the event you are unable to settle because you have no money, chances are you will have a judgment entered against you. However, because you live in Texas, the laws are friendlier to debtors than in most other states. A creditor cannot garnish your wages, your retirement accounts, government pensions, or take your house if it is homesteaded.

Additionally, cars are generally exempt for creditors who have a judgment against you. If you have no non-exempt assets, a judgment will really not be too effective against you and your lifestyle is unlikely to change dramatically. However, most people do have assets which are not protected and these are the assets which will become the target of judgment creditors. If at all possible, it is much better to hire an experienced Conroe credit card defense attorney to resolve the issue before a judgment can be taken against you.

Please contact our office to see how we can assist you. Learn more about our Areas of Practice.