Legal Question in Credit and Debt Law in Tennessee

Credit Card Debt and Garnishment of Wages

If one owes a bank or credit card company a large amount of money and cannot pay it, is it possible for the Credit Card company to get a judgement againt the cardholder and garnish his wages to repay the debt?


Asked on 9/20/04, 11:10 pm

1 Answer from Attorneys
Dr. Michael A. S. Guth Tennessee Attorney at Law Assists Pro Se (without a lawyer) Parties

Re: Credit Card Debt and Garnishment of Wages

Yes, the credit card company can obtain a judgment and garnish your wages. I have had 24 credit card debt clients in precisely those circumstances. If you find the garnishment possibility will hurt your ability to meet your basic needs, then you have an alternative. You could talk to an attorney who will file a Chapter 13 bankruptcy petition for you at no upfront cost to you: $0 paid by you to the attorney, at least prior to filing the petition. Look for one who can prepare your petition and file it before your court date, if any, in small claims court over the credit card debt.

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Answered on 9/21/04, 11:27 pm


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