Legal Question in Credit and Debt Law in Pennsylvania
What to expect in civil court credit collection judgement
I have an upcoming civil court appearance regarding a credit card collection. I've been unable to reach an agreement that I can afford with the attorneys representing the CC company. I expect the judgement will be for the plaintiff. What can I expect will happen, as far as the judgment being exercized by the plaintiff? What property can they sieze, and how soon can they do so? Can they take property belonging to my minor children living with me? Can they take my car or other personal property? Should I be prepared for this to happen immediately as I walk out of the courtroom?
1 Answer from Attorneys
Re: What to expect in civil court credit collection judgement
You asked about collections re a civil judgment.
Go see an attorney. You may be a prime candidate for bankruptcy which would wipe your slate clean. Or the attorney could negotiate an agreeable settlement.
You should not walk into Court without an attorney.
As far seizing assets, almost anything is available and may be seized. Yes they can take your car and it is usually the first thing to go. No it won't happen immediately but usually shortly thereafter. The Court will allow you a short period of time to satisfy the judgment. If you do not do so then the plaintiff can get a warrant to satisfy the judgment. A sheriff serves the warrant and then may seize personal and real property sufficient to reasonably satisfy the judgment at an auction sale. Don't let this happen.
Once you file for bankruptcy then all collection activities, including court cases, must cease. But bankruptcy is not something you should do without an attorney either. It can be done but there are lots of errors that can get you into trouble.
Regards,
Roger
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