Legal Question in Civil Litigation in Florida
Credit card lawsuit
I have a $4,700 debt on a visa card. Not paid on for a few years. I am being sued by the collection agent they hired. I own a home and a vehicle. Can they put a lien on my home or garnish wages? How's this going to reflect in my credit? I am trying to sell my home and get into another as well.
2 Answers from Attorneys
Re: Credit card lawsuit
NOTE: This communication is not intended as and should not be interpreted as legal advice. Rather, it is intended solely as a general discussion of legal principles. You should not rely on or take action based on this communication without first presenting ALL relevant details to a competent attorney in your jurisdiction and then receiving the attorney's individualized advice for you. By reading the "Response" to your question or comment, you agree that the opinion expressed is not intended to, nor does it, create any attorney-client relationship, nor does it constitute legal advice to any person reviewing such information, nor will it be considered an attorney-client privileged communication. If you do not agree, then stop right here, and do not read any further.
This will be a major problem for you. While they cannot put a lien on your home, they can garnish wages if you are not the head of your household. Worse than that, this will be a serious black mark on your credit which might preclude you from getting a loan on the house which you are hoping to buy.
Scott R. Jay, Esq.
Re: Credit card lawsuit
They cannot force a sale of your house. They can record a lien so that it your huose is sold they get paid. Not paying bills, especially substantial bills, will adversely affect your credit and may prevent you from buying other items on credit.