[rescue me]

Well I got an attorney and told him I owed the debt but could not pay after I called the attorney on the lawsuit and asked to negoitate they said no all or nothing. The suit is against old credit card debt of almost 19 thousand with fees and interestes and so forth. Anyway, so now I am owing the attorney a few thousand, and have him set up on payment of 200 a month until he is paid off. I am set for Trial 1st week of July against the creditor but have to be on call in case they change court time.
My biggest fear is that the judge will immediately order my bank account seized or my property seized or a large lien put against my property and I will never be able to pay it off because the lawyer for the creditor wants it and fees of over 30% asseted against it anually
. What can I expect? I live in Texas and less than a month ago finally got my place paid off. Health wise I figure I will be gone in a few years anyway this stress and everything is just adding to it.. :eek:

[Fr_Chuck]

Well first their attorney may be telling you all sorts of lies, I would like to have wings and fly but that ain't going to happen.

All they will get at this meeting is a judgement, there is limits as to garnishments in TX, so you are scared they will get the money from your bank, take all the money out in smaller amounts so there is no money in the bank, pay with money orders for things.

And so a lien is put against your property latter, it will only get paid if you latter sale the house or when you die from its sale, so the last thing they really want is a lien, they want the money,

You can expect to lose and they will get a judgement, and so they can't get the money, over 1/2 of all judgements never get any money

[twinkiedooter]

Don't close your bank account. Just keep a minimum amount in the account to technically keep it open. I have a checking account that costs me nothing to maintain if I keep $5 in a savings account. I have a balance of .35 in that account and have had it for years. It is a Federal Credit Union bank that offers this "free checking". I pay no monthly service charge and no charge per check fee either. I keep this as a dummy account so I can legally tell a creditor that this is my bank account. They go to empty out my bank account - even got papers to that effect that they were going to do just that - and they ended up not taking my 35 cents. Just a thought. See if they have a credit union bank in your area that offers this type of an account. And then either use money orders or pay cash until these people "go away".