Legal Question in Credit and Debt Law in Texas

I'm about to be served for the second time on a different credit card debt that I owe. The first time this happened, I had a lawyer who "helped-me-out" as a sortof "favor". I do not have that courtesy this time around and, most importantly, I DO NOT have the $2400 to hire a bankruptcy attorney, nor do I have the extra income to settle ANY of my past credit card debt! I have since looked into filing bankrupcty myself (or, "Pro Se")... And, I'm afraid that's not going to happen before my court date is set with this creditor...So, when I go to court for this second credit card debt (a little more than $2000.) what can I expect will happen? The first judgement states that the creditor is entitled to the monies owed by me, by having a lien on my house... I don't want this to keep happening! My house is all I have. How do I stop this from happening again? Will the judge (or court) appoint an attorney for me, to help sort-out my current finances, before making a judgement against me??? I have no idea on what to expect and I'm very concerned about it. Please help! (Plz & TY)


Asked on 4/07/10, 10:35 am

1 Answer from Attorneys
Mark Dunn Mark D. Dunn

In Texas, a judgment lien for an ordinary debt does NOT attach to homestead. Period.

I'd be very interested in seeing the judgment that says that "the creditor is entitled to the monies owed by [you], by having a lien on [your] house."

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Answered on 4/12/10, 12:29 pm


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