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  1. #1
    Join Date
    Jan 2007
    Posts
    1

    Unhappy Being sued for credit card debt in Georgia

    I've been reading alot of the posts on this site and wanted some advice concerning being served by a sheriff for a credit card account that I default on in 2004. The letter indicated that I needed to either pay $2300 to the collection atty office on behalf of the original creditor or answer to the lawsuit within 10 days of receipt. Anyway, I believe my official 10 days have now expired, as it was served on Dec. 20, 2006. My main concern is that I'm not working, and don't have the money to settle this debt, not sure how to approach the attorney handling this debt to make any type of arrangements. I'm afraid of what a default judgement would mean, as the attorney that I sought legal counsel from, only wanted to assist with bankruptcy and I'm not sure thats what I want to do. Also, my main fear is since I don't currently have a job, if a default judgment were to occur, would that mean my bank accounts would be garnished? Any good advice on how to proceed would be greatly appreciated.

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Being sued for credit card debt in Georgia

    It is common for creditors to be able to garnish bank accounts after getting a judgment.

    Is this your only outstanding debt? I would be reluctant to file bankruptcy over $2,300 - it's easy enough to get a job and repay such an amount - but if you have a lot more debt it makes sense to consider bankruptcy.

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