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    J T Keen's Avatar
    J T Keen Posts: 3, Reputation: 1
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    #1

    Nov 21, 2012, 03:29 PM
    Washington state law credit card debt collection proceedures in court
    Household credit is taking me to court for non payment of credit card debt after losing my job. What can the courts do?
    excon's Avatar
    excon Posts: 21,482, Reputation: 2992
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    #2

    Nov 21, 2012, 03:34 PM
    Hello J:

    They'll grant them a judgment with which the can seize your bank accounts and garnish your wages. If you don't have either of those, then you won't notice much difference.

    excon
    J T Keen's Avatar
    J T Keen Posts: 3, Reputation: 1
    New Member
    		  
    #3

    Nov 21, 2012, 03:34 PM
    Washington state law credit card debt collection proceedures in court
    Can the court take my home, car or personal property to settle a credit card debt of 3500.00 I am on social security, retired with no other income.
    excon's Avatar
    excon Posts: 21,482, Reputation: 2992
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    #4

    Nov 21, 2012, 03:37 PM
    Hello again, T:

    No. It's UNSECURED debt. That means they had NO security. They can't all of a sudden GET security for the loan by suing you.

    excon
    J T Keen's Avatar
    J T Keen Posts: 3, Reputation: 1
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    #5

    Nov 21, 2012, 03:47 PM
    Quote Originally Posted by excon View Post
    Hello again, T:

    No. It's UNSECURED debt. That means they had NO security. They can't all of a sudden GET security for the loan by suing you.

    excon
    I am still very worried because why are they taking me to court if they can not collect on unsecured debt? Is this just to scare me into making a settlement that I can't aford?
    excon's Avatar
    excon Posts: 21,482, Reputation: 2992
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    #6

    Nov 21, 2012, 05:02 PM
    Hello again, J:

    Look. You fall behind, they sue. There's NO thinking going on. It's all rote. I don't know if it's to scare you, or they're hopping that someday you'll have a bank account they can seize. It doesn't matter. They're going to sue you EVEN if they KNOW you don't have any money.

    excon
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