Non-payment of Credit Card

[liboton21]

How long can the credit card company take you to court due to non-payment and may have your wages garnished or a lien placed on your property? This is going to be my third month and I'm waiting to the big bonus that kicked-in to clear the six-month look back. Thanks in advanced.

AMEX
CHASE
US Bank
NFCU

[LimpDisc]

Our attorney told us we shouldn't have any problems for 6 months of non-payment. Research on this forum will show you other posters that are well beyond 6 months and still haven't been sued or garnished.

[Chowder]

How long it takes varies. Some never do, it just gets passed on to a collection outfit.

I was three months on all mine and just got the usual letters. If I had answered the phone, I could have but them off double that.

[Klesko]

To get sued your general time frame is 6 months to never. In reality it is more like 18 months to never depending on the creditor.

[landofpoor]

Its been 13 months since I made my last pyments on cards.So far so good .They are the 2nd go around of collections now more phone calls again with the new collecters I just dont talk to them or the oc I didnt.
I expect someday sherriff be knocking at the door but who knows.If they see I am not even working it be effertless on there part Id think to sue atm.Good Luck on your situation also.

[liboton21]

I just got a letter from NFCU saying they are going to file against me in the court, wage garnishment if I don't pay theem the full amount of 27K.....hmmm, is this a scary tactics? I was only late for two months.

[Klesko]

I got similar letters but I dont remember the time frame I got them. I thought it was closer to the 120 day late area.

I cant say they wont sue.. but at 60 days late I would doubt it.

[liboton21]

I got similar letters but I dont remember the time frame I got them. I thought it was closer to the 120 day late area.

I cant say they wont sue.. but at 60 days late I would doubt it.

Cool, I can file in December then. Thanks for your reply.

[DebtEnder]

Even if they did take you to court it would take longer then a month to have a court date and get a judgment to even begin to get a writ of garnishment.

You will have plenty of forewarning of a incoming writ of garnishment.

[shabam]

How long can the credit card company take you to court due to non-payment and may have your wages garnished or a lien placed on your property? This is going to be my third month and I'm waiting to the big bonus that kicked-in to clear the six-month look back. Thanks in advanced.

AMEX
CHASE
US Bank
NFCU

I did not have a problem and had not paid for 6 months on 10 accounts.

[OhioFiler]

I just got a letter from NFCU saying they are going to file against me in the court, wage garnishment if I don't pay theem the full amount of 27K.....hmmm, is this a scary tactics? I was only late for two months.

It worked. Of course they try to scare you. Don't let them.

[liboton21]

Just got a call from saying she is from collections and the office of Atty So and So to call them immediately, is this another bluff? I'm only 3 mos behind on most of my CC.

[frogger]

Just got a call from saying she is from collections and the office of Atty So and So to call them immediately, is this another bluff? I'm only 3 mos behind on most of my CC.

And I bet she thought she was important too didn't she? Just another step in the process of collections. Don't worry unless you get served.

[OhioFiler]

Just got a call from saying she is from collections and the office of Atty So and So to call them immediately, is this another bluff? I'm only 3 mos behind on most of my CC.

Listen. ALL THEIR CALLS ARE BLUFFS until they actually sue you.

[aljohnson007]

Don't return their calls as whatever they can get you to say will be used against you. No way will they file suit for 3 mos late.