Many clients feel that they do not need nor can they afford attorney representation defending their credit card lawsuit. They may feel that if they had the money, they may have settled with their credit card company. We understand. We have found that most clients are better off being represented by an attorney than not.
*In the State of Texas, cases filed in Justice of Peace courts the judge must approve the sending of discovery.
What happens if I do not answer the lawsuit?
Many choose not to answer a lawsuit. In that case, a defendant can expect to:
- Lose the court case.
- Receive a default judgment In Texas judgments automatically are good for 10 years. They can renew the judgment and it can stay in public records for a long time. A judgment can prevent you from purchasing homes and cars and an employer may deny employment. Judgments do keep increasing in value. They carry a state minimum interest rate that judgment creditors often calculate.
- Garnish bank accounts A judgment creditor may be able to garnish your bank account and take the money you do keep in it. Many are forced into closing their bank accounts and converting all payments to cash.
- Possibly be denied loans and employment A judgment can prevent you from purchasing homes and cars and an employer may deny employment.