If I am being sued for a debt, if a judgement is filed against me can they garnish my bank account andfile a lien against my home?

Asked on October 21, 2011 under Bankruptcy Law, Texas


FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

In every situation where a person has been sued, there is a chance that there will be a judgment for money owed in a collection situation. When such happens the judgment will set forth the amount owed. Many times the judgment creditor will then record an abstract of judgment and then try to collect on the judgment against the judgment creditor.

Typical means to satisfy a judgment by the judgment creditor is to levy upon the judgment debtor's bank accounts (savings and checking) and garnish the debtor's wages by getting payments of monies owed by the debtor's employer from pay checks. Likewise, the recorded abstract of judgment typically places a lien on the judgment debtor's home.

If an obligation is owed, it is best to work out a monthly payment schedule in writing with the creditor.

Good luck.

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