Legal Question in Credit and Debt Law in Pennsylvania

judgement on credit card

I have a judgement on me from a civil court for a credit card debt.

I have been threatened to sheriff sell personal possessions and put a lien on my property. What are my rights


Asked on 5/02/07, 7:22 pm

2 Answers from Attorneys
John Gibson John W. Gibson, Esquire

Re: judgement on credit card

If it is a judgment then there already is a lien on your property. A judgment is a judicial lien. When you are served with a Writ of Execution, it will list your exemptions. You have the right to claim such exemptions. You may also file a bankruptcy petition if you qualify.

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Answered on 5/03/07, 11:35 am
Matthew Nahrgang Nahrgang & Associates, P.C.

Re: judgement on credit card

If you own no assets, there will be nothing for the creditor to get. However, in that situation you are well advised to seriously consider a bankruptcy. A successful bankruptcy will eliminate the debt and avoid the possibility of attaching a bank account or a sale of assets. You should speak to an attorney ASAP.

I trust this answers your question but feel free to call or E-mail on a free initial basis.

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Answered on 5/04/07, 10:42 am


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