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mandy12 · May 7, 2008, 09:06 AM

I have a judgement against me in for about 9000. I want to pay but cannot come up with all the money at once. What can they do in Texas. I am married and want to know if property that is in my jusbands name can be seized. What about joint bank accounts. I plan to continue to pay on this debt and should be able to get it taken care of in six months but they will not work with me any longer. What do I do now.

progunr · May 7, 2008, 02:45 PM

Texas exempts 100% of wages from garnishment.

Here is a link with much information that should help you with the many issues you could
Be facing.

Wage Garnishments -- Bankruptcy Exemptions -- State Statutes -- Texas

Good luck!

George_1950 · May 7, 2008, 02:48 PM

A judgment creditor can make your life miserable, generally. Set up a payment plan with the best terms you can get; just call the creditor's attorney. If they head toward garnishment, then your wages and bank accounts are fair game, so don't let them have that information.

mandy12 · May 9, 2008, 02:43 PM

Thanks guys. Made a settlement. Your commenets really helped put my mind at ease.

t41rt42 · May 18, 2008, 10:35 AM

I just ran across this thread but have also learned that wages can't be garnished in Texas. I do believe that in Texas, any debt owed by either spouse is jointly held liable as mentioned below.

I am married but have a credit card that is in my name only, which I have recently defaulted on. Can a creditor or debt collector go after my spouse for repayment of this debt even though his name isn't listed on the credit card?

Answer:
Yes, marriage is like a partnership with each of you jointly liable for any debts incurred during the marriage. It doesn't matter if your spouse is or isn't listed on the card as a joint accountholder, he or she can still be sued, have his wages garnished, etc. just as if he incurred the debt.