I have been doing research online and can’t find any detailed information.

I am inquiring about laws and processes in the state of Texas.

If a credit card company sues the debtor, provided the person is served with papers, shows up in court, and the creditor wins the case and obtains a judgment, what happens next?

Will the debtor then have an opportunity to make payment arrangements on the judgment amount, or will they be required to pay everything at once?

If the debtor does not receive the paperwork (which I hear this happens quite often), and then receives information that a default judgment was issued, what happens next? Can the debtor have his/her day in court? Is the judgment served by a Sheriff or sent via certified mail?

Lastly, does being on a court ordered payment arrangment protect the debtor from further collection activities, provided they are making timely payments and fulfill the judgment amount?

A friend of mine is really in need of some information. If anyone on here has experience with the laws in the state of Texas please advise.

Thanks in advance!

We have a collection agency who filed suit on a car we let go back. They sold the car and this is the balance. We offered half of what they are sueing for but they did not accept. Now they are sueing and we fear they will win a default judgment. We are afraid they will be able to garnish our checking account. We are both senior citizens and can not afford what they are requiring to be paid

My friend is thinking about not showing up for court because he can’t afford an attorney, and he’s being sued for a repo’d car. Can they attach wages or take his bank account money if they get a default judgment against him IN TEXAS? I’m asking because every state is different, and for some reason I thought unless you’re a government employee in Texas, they can’t attach your wages.
They can’t afford a lawyer, and were served yesterday and have 10 days to respond which I think is crazy.