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Roger, Attorney
Category: Legal
Satisfied Customers: 30893
Experience:  BV Rated by Martindale-Hubbell; SuperLawyer rating by Thompson-Reuters
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I was served with papers that I am being sued by Target for

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I was served with papers that I am being sued by Target for breach of contract (non payment of credit card). What should I do now? Obviously I do not have the money to pay. I live in the state of Texas.
Submitted: 5 years ago.
Category: Legal
Expert:  Roger replied 5 years ago.

Hi - my name is XXXXX XXXXX I'm a litigation attorney here to assist you.


If you owe the money, there's not much of a defense to the claim. In that case, your best course is to contact the creditor's attorney and try to reach an agreement to pay the debt back/reach a settlement.


If you can't reach a settlement, the creditor should receive a judgment against you for the amount sought, which can result in garnishments, seizure of property, etc.


Thus, it is much better to work something out and avoid a judgment.

Customer: replied 5 years ago.
In the state of Texas what property can a creditor seize? Can they actually garnish my check, or the funds in my bank account, 401K, what about real property? Homes, vehicles, etc..
Expert:  Roger replied 5 years ago.

Your wages cannot be garnished under Texas law, but your bank account can.


The following link outlines property exemptions under Texas law:

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