Posted on Mar 15, 2014

A man came to see me recently that had his bank account garnished for over $9,000, out of the blue for an old credit card debt. The credit card company had sold the debt to a company called Dodeka, who had sued him in Harrris County Court, and he had ignored it. He was "too busy at work" to hire an attorney or pay any attention to the lawsuit.

So Dodeka got a default judgment against him, which instead of the original $3,000 or so was now $9,000, plus attorney fees, court costs, and interest which added another $3,000 to the debt.

Don't let this happen to you. If you are sued for a debt, hire an attorney. An attorney can defend the suit, and possibly beat it in court. Even if that is not the result, they may be able to settle it for an amount that you can pay, and avoid you having a judgment against you, which is a major derogatory item on your credit report.

If you have too much debt that you cannot even afford to settle, you may want to consider a bankruptcy. Filing bankruptcy is not the end of the world, but can be a new beginning for you. If you live or own property in the Houston, Texas area or surrounding counties, give our office a call at 713-772-8037. We will review your situation with you and give you honest advice. There is no charge for your first visit with us.

We handle debt defense and bankruptcy cases from the following Texas towns and cities: Alvin, Angleton, Arcola, Baytown, Bellaire, Bellville, Brazoria, Brookshire, Bunker Hill Village, Cleveland, Clute, Conroe, Dayton, Deer Park, Dickinson, Freeport, Friendswood, Fulshear, Galena Park, Galveston, Hedwig Village, Hempstead, Hitchcock, Houston, Humble, Jacinto City, Jamaica Beach, Jersey Village, Katy, Kemah, Kendleton, La Marque, Lake Jackson, La Porte, League City, Magnolia, Manvel, Meadows Place, Missouri City, Mont Belvieu, Montgomery, Nassau Bay, Needville, Orchard, Pasadena, Pattison, Pearland, Richmond, Rosenberg, Sealy, Shoreacres, Simonton, South Houston, Southside Place, Splendora, Spring, Stafford, Sugar Land, Surfside Beach, Sweeny, Texas City, Tiki Island, Tomball, The Woodlands, Thompsons, Waller, West Columbia, Willis, West University Place.

Read More About Do you have a credit card lawsuit that now went to a debt buyer?...

J Thomas Black
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Board Certified, Consumer Bankruptcy Law- Texas Board of Legal Specialization