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Q: In Texas can a credit card company take savings account?
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Can a bank seize funds from a checking or savings account for money owed on the bank's credit card without a court order in Texas?

Yes, it is referred to as a "set off" action.


Can a credit card company garnish wages for unpaid debt in Texas?

No.


Can attorney place levy on bank account from default judgment unsecured credit account in the state of Texas in which the debtor lives?

Yes, in Texas, an attorney can place a levy on a bank account as a means to enforce a default judgment on an unsecured credit account. This levy allows the attorney to collect the specified amount owed from the debtor's bank account to satisfy the judgment.


Can a checking account be attached to satisfy an award in favor of a credit card company by an arbitrator in the state of Texas?

The creditor will still have to file for a judgment in circuit court before they can take any action against nonexempt property belonging to the debtor. Bank account levy is possible in the state of Texas, wage garnishment is not.


Where can i get a good Credit Counselor in Texas?

Texas has several credit counseling opportunities. Texas Debt Relief is a company with several locations throughout the state. They can help you to understand the credit options available to you by setting you up with a debt consolidation plan that you can really understand.


Can a creditor levy your bank account in Texas and how do they find your bank account?

Yes your bank account can be levied for a credit card debt in texas. They CANNOT garnish your wages but they can levy your bank account if they sue you and get a default judgement. I found this out the hard way. My husband had stopped paying on a credit card in 2006 and we received a notice 12/2009 that they were suing him but was not aware of what they could really do besides put it on his credit. They froze every account with his name and social attached to it.


Will an account in collections from 2005 hurt your chances of getting a mortgage loan in Texas?

Your credit score and income are more important than an account in collections.


Can you be arrested for unpaid credit card debt in Texas?

No, the non payment of one's debts is a civil matter not a criminal one. The rare exception in such incidents is if the account holder committed fraud when applying for and/or using credit card/account.


Can a car company garnish money out of your checking and savings accounts if you moved from Texas to Michigan?

It happened to us when we moved from Alaska to Montana. The bank thought the loan was in default becasue of the move and proceeded to take ou $6000 from our account to pay off the truck loan.


Can a credit card company audit you in Texas?

It depends on what you mean by "audit". It's extremely hard to touch TX accounts, due to strict guidelines. It depends on balance of account, length of activity, along with other things. It depends on if the risk is worth it to the company to pay attorneys, etc.


Can a thrid party collector put a lien on your mortgage in Texas?

yes they can. But only for non payment of serives/ material. Not a credit card or credit lending company.


Is an item removed from credit reports after four years for Texas residents?

No, although the statute of limitations for your account may only be 4 years, the account may be reported by the 3 credit reporting agencies for 7 years from the date of first derogatory.