Legal Question in Credit and Debt Law in Pennsylvania

There is no wage garnishment in PA for a judgment entered on a credit card debt. However, the next easiest place for a judgment creditor to look is at any bank accounts that you may have. PA only allows you to exempt up to $300 in any one bank account.

If you have a judgment against you, I would highly recommend that you do not have a bank account. If you have a joint account with someone else, then get your name off the account. Either get a paper check that you can cash or, if your bank and employer will allow, have your pay direct deposited into someone else's account (like your spouse or a parent provided that you trust them). If not, look to getting an online bank account (examples of online banks are ally, US bank, ready debit or Capital One 360).

So that you do not have to live in fear (assuming this is your debt), you need to think about resolving this somehow if judgment is or will soon be entered. You also did not mention other assets. There is no exemption in PA for a motor vehicle, your home/land (if solely owned by you free and clear) or personal property like household furniture. Depending on the creditor, they may try to execute and I have seen some creditors get very aggressive and try to sell furniture whereas others are more laid back.

If you want to explore your options in a non-litigation non-bankruptcy context please email me at [email protected]. If you have dischargeable debt of at least $10,000 or more, then you may want to consider filing bankruptcy. If so, please see local bankruptcy counsel who practice in your area.