Can you be sued or your wages garnished if you are unable to pay an unsecured card debt?

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Can you be sued or your wages garnished if you are unable to pay an unsecured card debt?

Asked on April 9, 2012 under Bankruptcy Law, Alabama

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 12 years ago | Contributor

Yes--if you cannot pay an unsecured card debt, the card issuer or its collections agency may sue you to recover  the money you owe. If  they sue you and win (get  a judgment against you), they can take a variety of actions to collect if you still do not pay, including garnishing your wages. If the amount you owe is unsupportable for you, you may wish to consider bankruptcy as an option--bankrupty works best on unsecured debts owed to private (non-governmental) entities.


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