Legal Question in Credit and Debt Law in Texas

What can they do . . . ?

I live in Texas, I am divorced. My husband was listed as an authorized user on some of my credit cards, but never charged anything and was removed prior to the divorce. I own nothing but a 20 year old truck. No property to divide when divorced--it was all his and homesteaded. I'm disabled & have applied for SS; not approved yet. No savings/checking or income. Between hospital bills/credit cards I owe about $250,000. What can they do to me/him if I cannot pay? I know they are going to sue me, but if I have nothing, what can they get? Will I go to jail?


Asked on 4/16/05, 9:25 am

1 Answer from Attorneys
Adrian Jonrowe Law Offices of Adrian Jonrowe

Re: What can they do . . . ?

I am not your atty and do not know all the facts so please note I do not represent you and my information is limited to a general response. No one goes to jail for civil debts. You might consider going bankrupt immediately before you cannot go Chapter 7 anymore due to the new law passed by Congress. However, if not, then all it does is ruin your credit for about 7-8 years depending on when you stopped making payments. Collectors cannot harrass you (contact the Attorney General's office for information of what they can and cannot do). They can't make you feel bad or quilty if they can't talk to you so change your phone number and then even if they find you or call you at work (if you do work) just hang up on them. If they can't talk to you they can't make you feel guilty - which you should not feel anyway. As for what they can get from you - there are homestead protection laws that protect a great deal of things - wages, tools of the trade, etc.

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Answered on 4/17/05, 9:00 pm


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