Credit card debt in florida

[bklyn1028]

What is the name of your state (only U.S. law)? FLORIDA
I have been reading and hearing conflicting stories about credit card companies going after debtors in Florida. If your home is homesteaded they cannot do anything, but there are mixed reviews whether they can put a lien on your home. One para-legal says no, another says yes. One says they can seize assets, another says no. Remember this is Florida, a debt-forgiveness state. I am unfortunately one that has accrued credit card debt, and cannot dig out of the hole. I was also told credit card companies can freeze your bank accout.

Anyone out there with any knowledge of Florida?

[JETX]

Originally Posted by bklyn1028

I have been reading and hearing conflicting stories about credit card companies going after debtors in Florida. If your home is homesteaded they cannot do anything, but there are mixed reviews whether they can put a lien on your home. One para-legal says no, another says yes.

Yes, they can put a lien on your home, but cannot force its sale.

One says they can seize assets, another says no.

Yes, they can seize any non-exempt assets in your name.

I was also told credit card companies can freeze your bank accout.

Yes... and no. After the allowed period for the debtor to attempt to exempt those 'frozen funds'.... the bank turns them over to the court.