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There are two legal remedies that apply in most states for the recovery of debt pertaining to credit card accounts. Lawsuits and arbitration actions, lawsuits follow normal court procedure in accordance with state laws, arbitration is handled by the National Arbitration Forum. Arbitration bypasses regular court procedures, if the plaintiff wins the NAF will notify the defendant/debtor of the decision. The plaintiff then must file for a writ of judgment in the court of jurisdiction. In either venue, the winning plaintiff is usually awarded a writ of judgment and can execute it against the defendant/debtor's property pursuant to state laws to recover monies owed.

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Q: What legal actions can be taken against you if you don't pay your credit card debt in Texas?
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