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Creditors have the legal option to sue a debtor for default in financial contracts in Texas and every other U.S. state. However, Texas has a rather unusual statute which does not allow a judgment creditor to garnish the judgment debtor's wages unless there are no other options for collecting the debt.

A judgment creditor can, levy a bank account, place a lien on real property, request liquidation of non exempt property, such as stocks, bonds, etc. owned by the judgment debtor.

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11y ago
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1w ago

Credit card collectors can take you to court in Texas. However, Texas has laws that protect consumers, such as a statute of limitations on how long a collector has to sue you for a debt. Additionally, Texas has exemptions that protect certain assets from being seized to satisfy a debt judgment.

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Q: Why can't credit card collectors take you to court in Texas?
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