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  • Jan 14, 2007, 06:55 AM
    Texas Tax Refund
    I live in Texas and I have a credit card judgement against me. When I received the judgement papers my husband was very ill and ended up in the hospital, so I didn't respond to the judgement Can they take money out of my checking account, or my income tax refund, or garnish my wages. Any help would be appreciated.
  • Jan 14, 2007, 08:15 AM
    Hello Linda:

    The answer to all three of your questions, is yes.

    The only help I can offer you is to suggest that you go in either one of two directions. You either need to (1), make yourself judgment proof by quitting your job, closing your bank accounts, and giving away your real estate. Or, (2), go the other direction and pay the bill. There isn't a third alternative.

    You're going to need cash. You already had a payment plan with them, and that didn't work. You may not have a great deal of wiggle room. With their judgment, they can just sit around and collect it ALL. You had a lot more wiggle room BEFORE they got the judgment, but that's another story.


    PS> (edited) I see that you're from Texas. Texas has a law that says they CAN'T garnish your wages. That's good news for you. You don't have to quit your job. But, they can still empty your bank accounts, and seize your property. That's not good for you.
  • Jan 14, 2007, 09:50 AM
    I will say this, unless they changed the laws recently in Texas they can not garnish your wages, that was not allowed the last time I lived in TX.

    They can get your bank accounts. Income tax is harder but a I do suggest that people ( anyone) not set up the government to hold your money, you should be doing your weekly withholdings where you don't get back much at the end of the year anyway, but that is your choice, it is like a no interest saving plan.
  • Jan 14, 2007, 01:49 PM
    Yes, yes and yes. Once they have a judgment against you, they can pursue any and all means to get the money out of you, including all the things you've mentioned.

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