Legal Question in Credit and Debt Law in Pennsylvania

Due to my gambling addiction, I accumulated about $150,000 in credit card debt a few years ago.I could not file bankrupcy because I didn't file tax returns for couple of yers. I was married at the time this incident occured. Can a credit card company, collection agency or the court put a judgement on the house? Please remember that the house is under my ex-wife's name only. And she was never a co-signer in any of my credit cards. And I do not own any assets even to this day. I did receive one letter from the court saying that the judgement has been entered against me.

Can the judgment be placed against me even though I have no assets? Or can they palce a judgment on my ex-wife's property. Or is this judgment going to be placed on a property that I may purchase in the future? Also, does this judgment get erased on your credit report after 10 yeras? Please explain everyone of these questions throughly so I may understand it. If I like the answers I receive, I have other legal problems which I', willing to pay for or need representation.

Thank You,


Asked on 7/23/09, 2:00 am

1 Answer from Attorneys
Greg Artim Morrow & Artim, P.C.

A CC company cannot place a lien on your ex-wife's home unless your name is on the title as well, which you indicate that it is not.

A judgment can be placed against you whether you have assets or not. That is not something that the court looks at in a lawsuit. The court looks at 2 questions in these cases, 1. Do you owe any amount of money on the cc account? 2. If so, how much? That's it.

To answer your 3rd question, yes, a judgment can follow you around.

Read more
Answered on 7/28/09, 12:29 pm


Related Questions & Answers

More Credit, Debt and Collections Law questions and answers in Pennsylvania