Legal Question in Credit and Debt Law in Ohio

I have credit card debt and find the banks won't work with me. I'm sure they will sue. My question is, I have no job no bank account. I do have a home with equity but the home loan is in my husbands name. When they get a judgement what will happen other than my credit score going lower than it already is. Bankruptcy is not an option for me.


Asked on 5/28/10, 6:15 am

1 Answer from Attorneys
Harold Paddock Harold Paddock Co. LPA

Your question does not cover all the details, but here goes. You have a property right in the house just by being a spouse. The bank could go after that interest as part of their collection efforts. The bank could, after getting a judgment, attach any personal property you have like a car or other belongings. You might want to consult with your local consumer credit counseling service. They help people with credit card debt for little or no fee.

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Answered on 5/28/10, 11:52 am


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