Legal Question in Credit and Debt Law in California

Collections rule 3.740? I'm not sure what you're referring to.

Of course they can refuse your offer of payments. You owe them money on a credit card, if you can't make payments according to the terms of the credit card agreement, then really you have no defense to the lawsuit. I'm sorry. And yes, after they obtain a judgment against you, they can levy on your bank account and possibly force to sell your house if you have sufficient equity in it above the homestead exemption amount. Even though the credit card is in your name only, it's a community debt if you used it to incur debts for necessaries of life for you and/or your husband or for things that benefited both of you. In that case, community properties like the bank account and the house (assuming they're not his separate property) would be liable. Bankruptcy may be an option for you to look at.

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