Can a credit card company win a judgement if I was not employed when they gave me the card and I am still unemployed with no prospects or skills?
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Can a credit card company win a judgement if I was not employed when they gave me the card and I am still unemployed with no prospects or skills?
I’m a housewife. My work has been volunteer in school, sports, church. My husband’s credit was shot, so discover offered me a credit card. I applied by phone, and let them knew I was taking a lump sum to loan to family. My husband lost his job and unemployment barely covers the house payment. I used the credit card minimally and tried to pay. The amount is $3,000.
Asked on February 8, 2012 under Bankruptcy Law, California
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
The credit card company can very likeley win: from what you write, you voluntarily accepted, and used, a credit card. No one seems to have forced you to or tricked (defrauded) you into doing so, so you will be obligated under the plain terms of the agreement. While it is commendable that you are trying to pay, and understandable that you took a loan to help your family, that does not change the fact that you are legally bound to pay as per the credit card agreement which you voluntarily entered into. If and when you don't pay as per the agreement, the issuer can sue you with a high probabilty of success.
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