Legal Question in Credit and Debt Law in Texas

Re: Need Advise Please Help Trail date approaching

I doubt that your inability to pay a judgment would be a factor in the judge's decision. It's not a legal defense; and despite your circumstances, it does not raise any equitable defenses either. I presume you have not filed a response with the Court, but your presence will overcome that little detail. The judgment will certainly go on your credit report if that is a concern, but the CC company cannot force the sale of your house to pay the debt. If you should decide to sell the house, the lien will be present; but the proceeds are protected for 6 months as your homestead. If you use the money in the 6 months, CC co's tough luck. You might check the law schools in your area to see if they have any programs to assist you. Some of those students are very industrious and might be able to be present with you, but don't expect them to make a Supreme Court argument to prevent a judgment unless they could find some valid defenses.