I live in Texas and have credit card collector hounding me. Due to personal situation I wasn't able to make my minimum payment (paid what I could) for several months. Now it seems I owe as much on interest, late charges, etc. as I did the original amount about $15,000. Can't borrow, no collateral and just begged and borrowed to pay for a funeral for my 26 yr old son.
My question is in Texas can a creditor garnish wages (don't think so) or garnish my bank account? There isn't much there but I knew they could I would just close my account.
Couldn't afford to file bankruptcy or a lawyer at this time. Someone please let me know.