South Carolina Collections Questions & Answers
Q: Can a credit card company take your home if they file a judgment against you in the state of South Carolina
The answer is a little dificult because the answer can change based upon the facts. The creditor must first sue and obtain a judgment against you. Once the judgment is obtained, it becomes a lien against the property for 10 years. Most of the time the creditor is not going to do any more than... Read more »
Q: I live in horror county Sc. Sheriffs judgment $2,200 against me. From a personal loan
Home flooded last year wasn't aware of court date. It a he saiid she said. I lost since I wasn't at court date. Received sherrifs judgment against personal property. I am a single mom of 2. Made $20,000 last year because of the hurricane. I rent. All I have are household items. Can not afford... Read more »
A judgment is a finding by a court that you owe money to someone. If you have assets, the sheriff can levy against the assets to collect the judgment. Based on what you are saying about assets and income, you probably qualify for legal aid.
The sheriff will ask you to pay the judgment,... Read more »
Q: I was served a summons for a credit card bill. It says if I dont reply a default judgement will be made. What's that?
I do not practice in South Carolina, but your question hasn’t been picked up in two weeks. And the response time for a summons is relatively short in any state throughout the nation. A default judgment is a binding judgment against a party in a legal action resulting from the person failing to do... Read more »
Q: Can Military retirement levied from a bank account after a judgement in SC. It's consumer debt only. (Not VA disability)
If I retired from the Military and get a judgement against me for an unpaid credit card, can the money be taken from my bank account? This is not VA disability it's a military retirement pension paid monthly. I have consulted many lawyers and received conflicting opinions.
Section 38 U.S. Code § 5301 clearly states that military retirement is exempt from levy by most creditors. A credit card debt is not one of the creditors who can levy on retirement pay. The issue is that some states will allow the levy if anything else is in the account such as spouse's money,... Read more »
Q: What can I do If I have no money for Doctors, medicine and food after paying credit cards with SS?Can they take my SS?
I am 76 in poor health, walk with a walker. I rent an apt, my car is old but paid for.
No money for Lawyer.
Your Social Security cannot be seized by a creditor to pay a bill. Unfortunately, a creditor may try to seize your money and then you may have to hire an attorney if a creditor does, in fact, seize your money.
You need to contact a local Legal Aid Office near you and schedule an... Read more »
Q: I need some information I bought a time share in the bahamas but they collect the money in USA .
if i stop paying them will it affect my credit score
Almost certainly, yes.
Q: my mom just passed away i am the only heir i live in her home in sc can judgements take the home if its all she had?
Her assets is only about 35,000 and I am disabled.
I am sorry for your loss. The best thing to do is to go see a probate attorney immediately for a full discussion about what needs to be done and how to do it.
Q: Can the horry county sheriff seize, and sell my primary residence trailer on leased land,to pay off a $8000 judgement?
This is a credit card debt, and my home in Pa is in foreclosure, this 2012 trailer is all we have to live in..
If you have a consumer debt judgment, the Horry County Sheriff does nothing unless the judgment holder files a proper action with the court and the court orders the Sheriff to do something specific. It is a challenge to collect judgment debts in South Carolina as a judgment holder must file... Read more »
Q: My wife is being sued for a charged off credit card by a debt collector. It appears that the suit was filed exactly 3
Years from date of last payment. If the SOA expires the same month as filing the suit, can they win? Is it also true that Social Security payments cannot be garnished. We are fixed income, and both on disability.
I am licensed in NC not SC. For statute of limitations purposes, you look at the period between the date on which the complaint was filed and the date of the last payment. If your statute of limitations is 3 years, then see if its been 3 years or more. Even if the lawsuit was filed on the last... Read more »
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