Legal Question in Credit and Debt Law in Texas

I have defaulted on a $2800 credit card balance with CitiBank. They are now suing me.

I have been unemployed for a year, my house was foreclosed upon, and I have no car. In addition to my own bank account, I have a joint account with my husband. How can I keep them from coming after either of these bank accounts?


Asked on 4/04/11, 8:34 am

1 Answer from Attorneys
Mark Dunn Mark D. Dunn

They can come after the bank accounts only AFTER they have a judgment against you. They have to file the suit, get you served, and then get a written signed judgment. After that, if they know where you bank, they can garnish the bank account.

You should consider changing banks often - AFTER the judgment is granted.

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Answered on 4/04/11, 12:35 pm


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