Legal Question in Credit and Debt Law in Texas

Re: What can my creditors do to me for not being able to pay my debts

Since we no longer have debtor's prisons you cannot be jailed for a civil debt. Your creditors can take you to court, get a judgment against you, trash your credit, and try to collect against property that isn't exempt from levy and sale.

Texas is a debtor's haven, and collection against an individual is extremely difficult. They can't force a sale of your home, or one car per family member living together, they can't garnishee current wages, seize retirement accounts or life insurance. If they can find a bank account, they can seize that.