If you can not pay your unsecured debt. Can they take

I have fallen on hard times. If you can't pay your unsecured credit card debt, can they take your house in the State of Texas? I want to pay my debts, but I'm feeling sick everyday worrying about my house being taken. Can they legally do this in Texas? Thank you for your help.

Texas is a non garnishment state. You don't need to be worried about losing your home or your wages being garnished, unless it's a federal debt. The most creditors can do is take you to the court and set a payment plan in front of the judge.

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I have fallen on hard times. If you can't pay your unsecured credit card debt, can they take your house in the State of Pennsyvania I want to pay my debts, but I'm feeling sick everyday worrying about my house being taken. Can they legally do this in Penn. Thank you for your help.

This LAST post looked TOO much like the FIRST one....just with the name of the state changed. I live in PA. PA is another one of those states that they cannot 'garnish' from, except 'Government stuff' (ie..Child Support, defaulted Student Loan, etc.). Hope this answers your question.

CAN THEY TAKE MY HOME IN OHIO IF I CAN'T PAY MY CREDIT CARDS. THANKS

No. A debtor generally may claim exemption of certain real or personal property from execution of a judgment against him or in a bankruptcy proceeding. In a case where the judgment was for money
owed for health care services or supplies, the debtor or his family may claim exemption of one parcel or item of real or personal property that he or his family uses as a residence. (O.R.C. 2329.66(A)(1)(a).)
In all other judgments, a debtor may claim exemption of his interest, up to
five thousand dollars ($5,000.00) in one parcel or item of real or personal property that he or his family uses as a residence, one thousand dollars ($1,000.00) in one automobile, four hundred dollars ($400.00) in cash, and certain amounts in other personal or trade items as provided in O.R.C. 2329.66.

Nascar, your numbers are outdated for Ohio. SB 281 took effect about Oct. 1, 2008 and updated the exemption values to be the same as the federal bankruptcy code. It's now $20,200 exemption for the home, over $3000 for the car, cash is still the same, but household goods, tools of the trade and wild card (available only in BK) also went up. Good news for debtors!

Thanks for the update. Guess I need to clean up my bookmarks

Great advice on here. I live in NJ, have about $22,000 in credit card debt spread among 6 cards with different banks. largest is $10k, then 4.5, 2.5, 2.5, 2, 1 each. Without going into all the details it is either food and shelter or the credit card payments and you see what wins. I do own my house outright, but the problem is an injury that keeps from working. (had been self employed). Can they take my house if I stop paying the credit cards?

Great advice on here. I live in NJ, have about $22,000 in credit card debt spread among 6 cards with different banks. largest is $10k, then 4.5, 2.5, 2.5, 2, 1 each. Without going into all the details it is either food and shelter or the credit card payments and you see what wins. I do own my house outright, but the problem is an injury that keeps from working. (had been self employed). Can they take my house if I stop paying the credit cards?

They can at most put a lien on it which you'd have to pay back only when you sell the house, but they'd have to get a judgement aqainst you in court first.

if you have a hard time paying unsecured debt, can they take your house in the state of michigan

i have been served with a law suit in dallas texas for a target credit card, i don't work and i have no way of paying if they get a judgment against me what can they do to me i don't own a house i don't on the car, payment made by daughter,credit card debt was 5000.00 now it's 7000.00 i have no way of paying this off no job in sight and if i find one it will only be mim wages what can they do to me can't afford a lawyer don't know how to response to the simmons that i was served please help if i could pay i would

I'm assuming you live in Texas (lawsuit in Dallas).....Wages cannot be garnished in Texas, nor can a lien be put on a home for unsecured debt. Is the OC or a CA that is suing you? I would appear in court; it appears that you are judgement-proof at this time. Use the search button in the upper right hand corner of this forum to see experiences others have posted regarding Target cc & the agency suing you.

I have an over due unsecured loan, an overdue VISA card, and 2 overdrawn checking accounts all at U. S. Bank......and no job in sight.

Can they come after our house in North Dakota?

Has anyone dealt w/U. S. Bankcorp?

Thanks.

I am not positive, but I do not think any credit card company can take your house in any state for unpaid unsecured debt. Especially if you already have a mortgage on as first lein.