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P. Simmons
P. Simmons, Attorney
Category: General
Satisfied Customers: 32818
Experience:  45 years old, retired Marine Officer, current attorney
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What happens if your credit cards go to collection and you

Resolved Question:

What happens if your credit cards go to collection and you are still unable to pay them.
We are four months behind on our mortgage and can't pay any bills at this time. I
intend to pay them eventually but I don't want my house to go into foreclosure. We were
advised to pay the mortgage first and that our credit card debt were the least of our
worries. What will happen besides having my credit history ruined.
Submitted: 7 years ago.
Category: General
Expert:  P. Simmons replied 7 years ago.
Thanks for the chance to assist

Aside from damage to your credit history, the creditors can sue you for the amount owed on the cards. After the suit, they can obtain a judgment from the court. The judgment will allow them to garnish your accounts or place liens on any property you own. Typically, a judgment is enforceable for 10 or more years.

So if you can settle with them to avoid this, that would be a good idea

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