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Texas Debtor And Creditor Legal Questions

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41 legal [2, *]questions have been posted about debtor and creditor by real users in Texas. Ask your question and dive into the knowledge of attorneys who handle your issue regularly. Similar topics to explore also include collections, and creditors rights. All topics and other states can be accessed in the dropdowns below.
Texas Debtor And Creditor Questions & Legal Answers - Page 2
Do you have any Texas Debtor And Creditor questions page 2 and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 41 previously answered Texas Debtor And Creditor questions.
Debtor and Creditor
Texas

Recent Legal Answers

Bad Credit

Answered 13 years and 2 months ago by Helene Thaissa Wasynchuk (Unclaimed Profile)   |   1 Answer
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Get some legal help, first visits are usually free.  If you contact them yourself, you might end up making the bills due again, even if very old.
Get some legal help, first visits are usually free.  If you contact them yourself, you might end up making the bills due again, even if very old.

can i be garnished for my wages in texas

Answered 13 years and 3 months ago by J. Thomas Black (Unclaimed Profile)   |   1 Answer
I'm not 100% clear on your question, but if you have a judgment against you from another state, Texas courts must give "full faith and credit" to it. Therefore a judgment-creditor with a judgment from another state, can seek to garnish your wages here in Texas. There are limits according to federal law as to how much of your pay can be garnished. Generally speaking the most that can be garnished is either the lesser of 25% of your weekly disposable income, or your weekly earnings less 35 times the federal minimum hourly wage (about $250 per week). You could try to negotiate a lower amount or if you have other debt problems that justify it, consider filing chapter 7 or chapter 13 bankruptcy to discharge the debt.... Read Answer
I'm not 100% clear on your question, but if you have a judgment against you from another state, Texas courts must give "full faith and credit" to it.... Read Answer

debt collectors

Answered 13 years and 4 months ago by Gary Armstrong (Unclaimed Profile)   |   1 Answer
If this debt is a consumer debt (as opposed to a business debt) it would be illegal to report this item on your credit report after 15 years. Yes, there are options other than paying it, including suing the debt collector to have the item removed. We can help clients throughout Texas with these kinds of issues, so do feel free to contact us.... Read Answer
If this debt is a consumer debt (as opposed to a business debt) it would be illegal to report this item on your credit report after 15 years.... Read Answer

Can I transfer a car loan to another party?

Answered 13 years and 4 months ago by Helene Thaissa Wasynchuk (Unclaimed Profile)   |   1 Answer
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only if car company agrees  
only if car company agrees  

What can I do to stop receiving upsetting telephone calls about debts I don't owe? The telephone caller knew my social security number and bank accoun

Answered 13 years and 4 months ago by Helene Thaissa Wasynchuk (Unclaimed Profile)   |   2 Answers
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Sounds like identity fraud.  Tell the agency, they should send you papers affidavit, stating that not your debt.  Otherwise, hire an attoeny, to handle it.
Sounds like identity fraud.  Tell the agency, they should send you papers affidavit, stating that not your debt.  Otherwise, hire an... Read Answer

Can i get my property back since its affecting my credit?

Answered 13 years and 5 months ago by Helene Thaissa Wasynchuk (Unclaimed Profile)   |   1 Answer
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Ask her for the appliances.  If she won't give them to you, and the family will not kill you, file in court for their return.  Hope she does not say they were a gift.
Ask her for the appliances.  If she won't give them to you, and the family will not kill you, file in court for their return.  Hope she... Read Answer

Details on wage garnishment notice

Answered 13 years and 5 months ago by Helene Thaissa Wasynchuk (Unclaimed Profile)   |   1 Answer
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The creditor has received a judgment against you, probably by default. You were sued, served and did not answer the lawsuit.  (Lately I have been seeing more and more of these, and have NEVER seen them before.) Depending on the rest of your finances, you might negotiate with them, or take other legal steps, like filing for bankruptcy.  Let me know if I can help. 832.379.4401... Read Answer
The creditor has received a judgment against you, probably by default. You were sued, served and did not answer the lawsuit.  (Lately I have... Read Answer

I have not been working and have been struggling to pay my student loans for the past 8 years.t

Answered 13 years and 6 months ago by Gary Armstrong (Unclaimed Profile)   |   1 Answer
If these are federally guaranteed, you may want to ask for an income-based repayment program. Check out studentloanborrowerassistance.org for more information. If these are private loans, you are basically at the mercy of the lender for any relief.
If these are federally guaranteed, you may want to ask for an income-based repayment program. Check out studentloanborrowerassistance.org for... Read Answer

What is a Writ of Execution for a debt that I dont know about?

Answered 13 years and 7 months ago by Gary Armstrong (Unclaimed Profile)   |   1 Answer
A Writ of Execution means that someone has obtained a judgment against you. The Writ of Execution is issued by the Court to allow the constable to seek to collect the judgment. Of course, most people don't have any assets to satisfy such judgments and the Constable will normally file papers with the Court stating that he investigated and found no assets. The Writ may mention what judgment is involved. With that information, you or an attorney could track down the original lawsuit and determine what, if any, options you may have at this point.... Read Answer
A Writ of Execution means that someone has obtained a judgment against you. The Writ of Execution is issued by the Court to allow the constable to... Read Answer

Should I opt out of a class action settlement against a credit protection agency or sue the defendant on my own?

Answered 13 years and 7 months ago by Helene Thaissa Wasynchuk (Unclaimed Profile)   |   1 Answer
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Depends on the class action.  If it for MAJOR damages, and I mean several hundred thousand for you alone, probably opt out.. If twenty dollars, stay in.  Some more information, and advise from a lawyer is necessary.  Don't make a decision until you speak with a personal injury lawyer asap.... Read Answer
Depends on the class action.  If it for MAJOR damages, and I mean several hundred thousand for you alone, probably opt out.. If twenty dollars,... Read Answer

HOW MUCH WILL I SPEND IF I'M GONNA SUE SOMEONE OF FRAUD

Answered 13 years and 7 months ago by Helene Thaissa Wasynchuk (Unclaimed Profile)   |   1 Answer
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Depends on how much and how fast she is willing to admit owing you. I would start the process for $950.00 and filing and service fees. And those checks will really help you get the money back fast! Let me know if I can help.
Depends on how much and how fast she is willing to admit owing you. I would start the process for $950.00 and filing and service fees. And those... Read Answer

Will people lose everything they have if my name happens to be on it somewhere?

Answered 13 years and 8 months ago by Helene Thaissa Wasynchuk (Unclaimed Profile)   |   1 Answer
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Liars, thieves and cheats.  Over ten years old, tell them to go fly a kite, after you record them lying to you.
Liars, thieves and cheats.  Over ten years old, tell them to go fly a kite, after you record them lying to you.

I am being sued by the credit union of texas for fifteen hundred dollars. I have no money what can I do?

Answered 13 years and 10 months ago by Mr. Richard Alan Alsobrook (Unclaimed Profile)   |   1 Answer
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You should immediately contact a local consumer rights attorney to discuss your situation.  Most consumer rights attorneys offer free initial consultations, and it would be wise to contact a local attorney to determine how to proceed. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies. ... Read Answer
You should immediately contact a local consumer rights attorney to discuss your situation.  Most consumer rights attorneys offer free initial... Read Answer

Can a Bill of review be done after my bank account got garnished just now (march 2012) since I was never served in 2005? What are my chances in court?

Answered 14 years and 2 months ago by attorney Herbert Weinberg   |   1 Answer
Herbert Weinberg
The devil is in the details which makes it hard to give a second opinion. However, your lawyer is being aggressive which makes sense since the creditor is playing hardball . The burden is on the creditor to show service and if they clearly were not careful, they you have a good chance.
The devil is in the details which makes it hard to give a second opinion. However, your lawyer is being aggressive which makes sense since the... Read Answer

In the state of Texas are creditors allowed to garnish wages?

Answered 14 years and 2 months ago by Mr. Richard Alan Alsobrook (Unclaimed Profile)   |   1 Answer
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It really depends on the facts, and who the creditor is.  The general rule is that in TX creditors cannot garnish wages.  However, like most legal rules, there are numerous exceptions.  You should contact a consumer rights attorney or bankruptcy attorney to determine if your creditor can garnish your wages. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.... Read Answer
It really depends on the facts, and who the creditor is.  The general rule is that in TX creditors cannot garnish wages.  However, like... Read Answer

wHAT IS SURPPOSE TO HAPPEN WHEN YOU PURCHASE A USED CAR FROM A USED CAR DEALER AS IS? PAID THE CAR OFF 8 MONTHS EARLY.THEY WONT SEND ME MY CAR TITLE.

Answered 14 years and 3 months ago by attorney John Schleiffarth   |   1 Answer
John Schleiffarth
Contacting an attorney and having the attorney draft a demand letter can be helpful in cases such as yours. Also, you can often get a declaratory judgment from the court awarding you title when there are no other reasonable means to pursue.
Contacting an attorney and having the attorney draft a demand letter can be helpful in cases such as yours. Also, you can often get a declaratory... Read Answer
Debtor and Creditor
Texas

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