Can be legally sued?
Creditors reserve the right to sue you and use legal methods to make you pay back the amount you owe. The majority of creditors prefer to avoid lawsuits if possible and therefore they sue only the clients who do not communicate or pretend to be insolvent having enough funds to cover the debt. You may only be sued in case your creditor has an attorney in your state. Besides, its not cost effective for creditors to sue you as garnishment requires time and money. Moreover, creditors may only get their money back in case you have it. The garnishment is valid only when you are employed and is temporarily ceased when you lose your job. Your home equity is usually protected by your state laws. As a result, its more beneficiary for creditors to negotiate and give you a debt reduction than to file you. We cant give you any guarantees that you wont be sued, but our experience allows us to state that our debt management will help you to avoid a garnishment.
