Does Pennsylvania allow credit card judgements to garnish your wages?
No, 100% of your wages are exempt from garnishment in Pennsylvania. However, a creditor can garnish your bank accounts and put liens on your property, but they can only do so after first taking you to civil court and winning a judgment against you. The Statute of Limitation for collecting on credit card accounts (open accounts) is 4 years in Pennsylvania. After the collecting SOL has expired, you no longer have a legal obligation to pay. If you should get sued after SOL, use it as an affirmative defense and the lawsuit should be dropped. A collection agency also needs to “validate” a debt before they can legally collect. Send them a “Debt Validation Letter”. Make them verify that they own the debt and that they have a legal right to collect from you (signed agreement with the original creditor). Send the letter via certified mail and keep copies for you records. Also, include a paragraph stating that they can only contact you by US mail after the debt has been validated. And then only
