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  1. #1
    Join Date
    Feb 2015
    Location
    Pennsylvania
    Posts
    1

    Default Sued For Credit Card Debt, Only Income is Social Security and Child Support

    My question involves collection proceedings in the State of:Pennsylvania
    I am a single disabled mom. I am being sued by Pressler and Pressler for discover credit card debt. My ONLY income is Social Security Disability and child support. I have a mortgage and my only vehicle is a 2002 Saturn. My question is, how can I stop Pressler and Pressler from having a Sheriff sale of my personal property (furniture), or take my car. I need the vehicle to get to and from doctors. The personal property I own was purchased at yard sales or were gifted to me. I'm scared that Pressler and Pressler will get into my checking account that my social security disability is direct deposited. I live on $25.00 a week and am unable to pay this debt due to a loss of income. (my father-in-law was helping me financially until he passed away).

  2. #2
    Join Date
    Jul 2010
    Posts
    8,006

    Default Re: Being Sued by Pressler and Pressler in Pennsylvania for Discover Cred Card Debt

    They cannot take anything from you until they get a judgment. How old is the debt?

  3. #3
    Join Date
    Oct 2006
    Posts
    16,474

    Default Re: Sued For Credit Card Debt, Only Income is Social Security and Child Support

    Quote Quoting pds
    View Post
    My question involves collection proceedings in the State of:Pennsylvania
    I am a single disabled mom. I am being sued by Pressler and Pressler for discover credit card debt. My ONLY income is Social Security Disability and child support. I have a mortgage and my only vehicle is a 2002 Saturn. My question is, how can I stop Pressler and Pressler from having a Sheriff sale of my personal property (furniture), or take my car. I need the vehicle to get to and from doctors. The personal property I own was purchased at yard sales or were gifted to me. I'm scared that Pressler and Pressler will get into my checking account that my social security disability is direct deposited. I live on $25.00 a week and am unable to pay this debt due to a loss of income. (my father-in-law was helping me financially until he passed away).
    You could file for bankruptcy and make it all go away...permanently.

  4. #4
    Join Date
    Oct 2014
    Posts
    8,238

    Default Re: Sued For Credit Card Debt, Only Income is Social Security and Child Support

    The credit card company can’t take any property until it gets a judgment from the court. Once it gets a judgment, it may attach any assets or income that you have that are not exempt from attachment. The problem for the creditor here is that pretty much everything you have is exempt.

    Under federal law, your SSDI benefits are exempt from attachment. If you have the SSDI direct deposited into a bank account that you only put the SSDI money into the creditor will be unable to get that money.

    Under CA state law one vehicle is exempt up to a value of $5,100. I doubt your 2002 Saturn is worth more than that, so your car should be safe from attachment for this debt. CA law also exempts household furnishings up to $650 and jewelry up to $1,525. The value of most peoples’ household goods are not very much and the cost to take it, store it, and sell often exceeds what the creditor would get after giving you the exemption amount, so rarely do they go after household goods of low income households.

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