Legal Question in Credit and Debt Law in Pennsylvania

civil action hearing, to go or not to go?

A civil action hearing against me and if i go i have to defend myself, if i dont go, then judgement will be made in default . What can judge say or do? a creditor got a company to go to court to get money i owe them for a few yrs back. i have not been able to pay anything for other legal reasons that happened to me and backed my money all up. paying to live is first, before paying a credit card. What can happen with this ruling? will there be a ruling if im not there? How can they get money from you if you dont have it? can my wages get garnished? What can i do to stop this? I cant defend this cause i know i owe them. i just cant pay them the 6000.00 they want. i was on a credit counseling program and making payments fine, then some legal issues arose and cost me a bundle to settle it,i couldnt keep up the monthly payments for the card so i stopped.. getting a lawyer to defend this in the courts to try to beat the credit comp. will be too costly. just letting it go will result in the judge making me pay and probably not being able to pay what he says... what do i do?

should i call the collection comp and work out something, before the hearing next week? any help would be greatly appreciated. ASAP please!!!


Asked on 1/27/05, 11:33 am

1 Answer from Attorneys
Gerald Hershenson Law Office of Gerald M. Hershenson

Re: civil action hearing, to go or not to go?

Pennsylvania limits garnishment of wages. Credit card debt can not be garnished. Education loans, and possibly landlord-tenant judgments are subject to garnishment by statute. I believe the landlord-tenant garnishments are stayed in Pennsylvania. However, bank accounts can be attached, property levied upon and other enforcement proceedings can be done. If you file bankruptcy all actions will be immediately stayed and a work out plan can be forced upon the creditor in bankruptcy. I suggest you immediately consult a bankruptcy attorney. Your credit will be ruined but you have little alternative. Gerald M. Hershenson 215-579-9390

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Answered on 1/27/05, 12:04 pm


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