My question involves collection proceedings in the State of: CA
I have total of 2,000$ credit card debt since I got laid off from job. The credit card company keeps calling and asks me to pay off. Now, they said they've already charged off my account( which I understand they give my info to collection agency and I guess this agency gonna call me forever) . My questions:
1. Will the credit card company sue me with only 2,000$ debt? ( I have hardship reason since I lost my job)
2. Can I settle the debt with collection agency later in the future if I get job again?
3. This credit card debt was before I married. Now I have joining account with husband. Will the collection follow my joining account?( I have no rights to use joining account since it's NOT my money).
4. My name is also on the house's title since I get married, therefore both names on the title of the house. Will they follow the house as well?
Thnks so much.