[cupcake123]

After browsing and seeing similar questions... I have to ask for myself. About 3 or 4 years ago I was advised by consumer credit counseling services to stop paying my credit cards if I couldn't afford them. The lady basically said you need to pay your house and electric and buy food first... so I stopped paying. I just got into a depression knowing that I had unpaid bills out there. I tried mediating with some of the companies but couldn't afford what they asked for. Now I am being sued by Chase. I don't know what to do. I am very worried about this. I am in Texas, can they garnish my wages or bank accounts? This worries me because I work in a financial institution ( embarrassing I know) to have gotten myself into this. I had to take a huge cut in pay when I had my son by switching jobs. Any advice?

[this8384]

First of all, whoever gave you that advice should not be in credit counseling. There are tons of other ways to resolve your financial problems; ignoring them is terrible advice.

I've read on other threads that TX is one of the states that doesn't allow a creditor to go after personal assets for unsecured debt. I would try making arrangements with Chase outside of court if you can; while they may not be able to come after you, they can put the judgment on your credit report.