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Question

Asked 1301 days ago by a user from Houston, TX

Civil suit by debt collector.

If a debt collector sues you and is granted a judgement against you, what are my consequences?

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Answers

Answer 1 of 1 - Answered 1297 days ago

Jeff Wells - Lawyer from Dallas, TX

If someone has a judgment against you, they can begin collecting on that judgment. Although it is difficult to collect on a judgment in Texas due to the debtor friendly exemption laws, there are types of property that are not exempt such as bank accounts, non-homestead property, stocks, etc.

If you have been sued by a debt collector, you should make sure that they do not get a default judgment. You need to at least file an Answer to the suit, so that a default judgment is not granted. Most debt collectors file lawsuits hoping to get a default. If the debtor actually defends himself/herself in the suit, the debt collector usually will dismiss the suit or try and settle the case.

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