From what I understand a Creditor can take you to court for none payment and possibly get a judgement against you. If the judge awards it to them are you given the option there in court to make payments on it? I also know that a Creditor can garnish your wages, freeze your bank accout, or put a lein on your house in an effort to collect the money. Can this be done in conjunction with the judgement even if you are making payments? Also, do they have to take you back to court to be able to freeze your bank account? My bank account has both my parents names on it.


