I have a credit card that I don't want to pay off. Too much. I'm in Texas, what can they do to me?

by **felabeorbt** » Wed Nov 30, 2011 9:49 am

First, about me.

I'm 32.
I own my home outright. 100% deed in hand
I pay cash for cars.

Next is Texas Law:
No wage garnishments for consumer debt
No liens can be placed on your homestead or its equity

I don't care about my credit score. I've never taken out an auto loan in my life. I will never need to. Since I own my home outright, I won't be needing a home loan either. In fact, I don't take out loans (other than credit cards)

I no longer want to jack with repaying my credit card. Not even minimum payments.

I'm wondering what the bank can do to me. As far as I know all they can do is take me to civil court and get more added to the debt.... Of course I wouldn't show up because I don't give a crud. It's civil court and they'll win by default judgment. Oh well, I just don't pay it. (For the record, civil courts are not criminal courts, you don't go to jail for civil matters).

I'm not looking for a morality lesson here. The way I see it is it's the banks faults anyway that this inflation situation (bailouts) has bankrupted us all. I don't want a lecture. I'm just wanting to know what they can do to me?

Thanks

by **alburt** » Wed Nov 30, 2011 9:54 am

Sounds like you have the money to pay, you just don't want to. Would you pay a settlement? Call them and offer half of what you owe, they might accept it if you can pay cash. My son did that, it worked. The only bad thing they can do to you is like you say sue you in civil court and there is still nothing they can do here in Texas, but they can hound you FOREVER, or just make it feel like forever.

by **colfre** » Wed Nov 30, 2011 9:57 am

It is the bank's fault that you spent money and don't want to pay it back? You want my tax dollars to bail you out when you can afford to pay your bills

Wow! What a swell guy you are

by **abraham90** » Wed Nov 30, 2011 10:01 am

stop being a dumb *** and pay for it you borrowed the money now your going to pay its your fault for getting the credit card i am sorry

by **tahmelapachme33** » Wed Nov 30, 2011 10:07 am

All I know is that I believe that the Statute of Limitations in Texas, I believe, is 4 years...

by **charlot22** » Wed Nov 30, 2011 10:16 am

dude, im 15 years old, and even I pay my credit card bill FULL ON TIME
and i don't pay taxes, but I do not want my Parents' tax dollars going to bail ur butt out

by **dent81** » Wed Nov 30, 2011 10:21 am

To answer your questions: Texas is a non garnishable state but doesn't mean that they can't try to sue you for that amount. I would suggest calling a good reputable credit repair company to help you or maybe get good advise. If your in Texas I would suggest call MSI CREDIT SOLUTIONS. My friend actually went thru their services and got credit card collections removed. Don't hurt to try right? I believe the person who helped was named Victor. Let me know how that works. Wish I could tell you more. Good luck

by **chozai65** » Wed Nov 30, 2011 10:35 am

what they can do to you is start to garnish wages eventually. i had the same problem and i went to Crystal Credit Solutions....Go check em out bro. you can settle your debts by 40-50%.
www.crystalcreditsolutions.vpweb.com

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