The creditor will still have to file for a judgment in circuit court before they can take any action against nonexempt property belonging to the debtor. Bank account levy is possible in the state of Texas, wage garnishment is not.
It depends. If: you have a monthly credit card bill repayment agreement with the bank wherein the bank automatically deducts your monthly payments from your checking account or you have defaulted on...
What do you mean, "settle your account"?? If you mean pay it off with so much on the dollar, you tell them just that; and give your reasons for the request. There is nothing that compels them to do...
It depends on what you mean by "audit". It's extremely hard to touch TX accounts, due to strict guidelines. It depends on balance of account, length of activity, along with other things. It depends...
Yes, if a creditor wins a lawsuit and is granted a judgment, said judgment can be enforced as a bank account garnishment. A joint account (even a marital one) is subject to attachment to the extent...