CC Lawsuit

[9000]

What is the name of your state? Texas

I am currently about to head into a lawsuit concerning a CC debt of about $9000. They have tried to serve me with papers at my previous residence, but were unable to, as the family member still living there refused to sign.
I have no assets, no property in my name. I do have direct deposit for my check into my only checking account. I believe I am right in thinking wage garnishment is prohibited in the state of Texas, but account liens are perfectly plausible. Should I stop my direct deposit, and empty the checking account?
At this point in time, a payment plan is not really feasible considering my monthly income. I had tried to work a deal with the debt collector at one point but they refused a payment plan as an option. The debt is about 2 years old
Any input on the matter would be greatly appreciated

Originally Posted by 9000

What is the name of your state? Texas

I am currently about to head into a lawsuit concerning a CC debt of about $9000. They have tried to serve me with papers at my previous residence, but were unable to, as the family member still living there refused to sign.
I have no assets, no property in my name. I do have direct deposit for my check into my only checking account. I believe I am right in thinking wage garnishment is prohibited in the state of Texas, but account liens are perfectly plausible. Should I stop my direct deposit, and empty the checking account? ***If you do not want them to get your dough, then yes.***
At this point in time, a payment plan is not really feasible considering my monthly income. I had tried to work a deal with the debt collector at one point but they refused a payment plan as an option. The debt is about 2 years old
Any input on the matter would be greatly appreciated

Standard answer on expired SOL and/or validation and/or dispute letters.

SOL
[url]http://www.bcsalliance.com/y_debt_sol.html[/url]

[url]http://www.fair-debt-collection.com/Disputing_Collections/SoL-dispute-letter.html[/url]


Validation letter samples you can get at :
[url]www.creditinfocenter.com[/url]
and [url]www.creditboards.com[/url]


Disputes: You can write a letter of dispute to the three credit reporting agencies.

Go this website to find instructions and samples for how to dispute: [url]http://www.creditinfocenter.com/creditreports/[/url]

Sometimes errors are easy to remove and sometimes they stick like glue. It is inexpensive to try and not difficult.

I am NOT a creditor-debtor lawyer; stand by for further help.

I am NOT vouching for the accuracy of these websites!