Debt Payment Options Available

Full Conversation

Due to a judgement default with Discover credit card I have a receivership wanting me to pay $* and then annually it will go up $*. Until paid off. I am not sure I can pay this and wanted some advice. I am currently not working and they have frozen both my bank accounts.
Have you received any official documentation regarding this judgement default and the receivership's demands?

In Texas, creditors can freeze bank accounts but there are certain exemptions for those who are unemployed or receiving government benefits.
yes
What type of government benefits, if any, are you currently receiving? This information can help determine if your funds are exempt from garnishment under Texas law.
none
In Texas, creditors can garnish bank accounts. However, certain funds are exempt, including:

- Social Security benefits
- Unemployment benefits
- Workers' compensation
- Retirement benefits

If you're not receiving any of these, it's crucial to seek legal advice.
okay that’s what I wanted to do before I agree to the monthly payments
What is the total amount you owe according to the judgement default?
$*.*
What is the name of the court where the judgement was issued? This information will help us provide you with the appropriate contact details.
I am not sure about the court but I know Jenkins Law office is in charge of it now
What is your location in Texas? This will help me provide you with the contact details of the nearest court.
canyon Lake
What is the name of the receivership demanding the payment?

For general information, in Texas, certain funds are exempt from garnishment including Social Security benefits, unemployment benefits, workers' compensation, and retirement benefits.
Jenkins court receiver
What is the exact amount they are asking you to pay monthly?
$* to start and then annually $* on top of that
What is the total duration they have given you to pay off the debt?
They haven’t because I haven’t agreed to the payments yet but I have to schedule the day I want payments taken out and first payment should be made within two weeks from September * when I first talked to them. I eas also told that my bank accounts would be unfrozen
What is the total duration they have given you to pay off the debt?
They haven’t
What is the name and contact information of the law office handling your case?
Jenkind court receivers *-*-*-* ext * I believe her name is Kim that I spoke with
What is the name of the court where the judgement was issued?
I don’t have the name of the course. It does say Comal County clerk. The one handling it for Discover is Zwicker and associates.
What is the exact amount of your monthly income and expenses? This information can help determine if you qualify for certain exemptions under Texas law.
I don’t have much income and my expenses include mortgage payment and utilities
What is the total amount of your monthly income and expenses? This information can help determine if you qualify for certain exemptions under Texas law.
It is not income but one timehelp from a family member . Expenses are $* a month. I am currently looking for a job
What is the source of the one-time help from a family member? Is it a gift, loan, or inheritance?
It was a gift
In Texas, gifts are generally not subject to garnishment. However, it's important to consult with a lawyer to understand your rights and options.
Should I consider bankruptcy and is there any free help with that
What is your current financial situation? Are you able to pay off your debts or are they overwhelming?

In Texas, filing for bankruptcy can help eliminate certain debts and give you a fresh start. However, it's a serious decision with long-term financial and legal consequences. Free legal aid services are available.
With this they would be overwhelming
What is the total amount of your debt, including any other outstanding debts you may have?
This is the only one
What is the interest rate on your debt according to the judgement default?
*
Hello, how can I assist you with your legal issue today?
I have been talking to somebody about my judgment, default and receivership. I spoke to somebody over there and they want me to make monthly payments of $* and then annually add $* to that until the amount is paid off. I am not sure that I can handle that. As of right now I’m not working so I’m wondering what to do or whether I should file bankruptcy. But I would need help free for bankruptcy if that is the option I need to take I have not agreed to the payment arrangement yet. They have given me two weeks from September * to make the first payment.
What is the total amount of your debt, including any other outstanding debts you may have?

In Texas, bankruptcy can be an option if you're unable to pay your debts. However, it's a serious decision with long-term consequences. It's recommended to consult with a bankruptcy attorney.
This is the only outstanding debt I have
What is the total amount of this debt according to the judgement default?
$*.*
What is your current source of income, if any?
I received as a gift from a family member a few months ago but other than that nothing
What is the total amount of the gift you received from your family member?
$*
What is the current status of your job search? Are you expecting to have a steady income in the near future?
I haven’t found a job yet but am actively searching
What type of job are you seeking and what is the average salary for that position in your area?
retail job that pays $* an hour
Are you currently receiving any unemployment benefits or other forms of government assistance?
no
What is the total amount of your monthly expenses?
$*
What is the name of the court where the judgement was issued?
It was a court in comal county but Jenkins Court Receivers has it now
What is the case number for your judgement default?
2017CVB0390
What is the name of the court in Comal County where the judgement was issued?
it says the county court at law number to Comal County, Texas
What is the contact information for the court where the judgement was issued?
The lawyers for Discover ROC, liquor and Associates. Other than that I don’t know.
What is the address of the court where the judgement was issued?
Zwicker and associates
What is the exact amount they are asking you to pay monthly?
$* and then annually add $* on top of the $*
What is the total duration they have given you to pay off the debt?
they just said that I would have to pay the above amount until the debt is paid off
What is the interest rate on your debt according to the judgement default?
it says *%
What is the name of the court where the judgement was issued?
it says Comal County County clerk
What is the contact information for the Comal County Clerk's office?
I only see Comal County County clerk with a address and no phone number
What is the address of the Comal County Clerk's office?
* N. Seguin st ste * New Braunfels Tx *
What is the name of the judge who issued the judgement default?
Charles A Stephens
What is the date of the judgement default?
*/*/*
What is the name of the law firm that is representing Discover in your case?
Zwicker& Associates, P.C
What is the contact information for Zwicker & Associates, P.C?
*-*-*-*
What is the total amount of your monthly expenses?
$*
What is the name of the bank where your accounts have been frozen?
Prosperity Bank and Randolf Brooks Credit Union
What is the total amount of money currently in your frozen accounts at Prosperity Bank and Randolf Brooks Credit Union?
Because discover try to take the money out of my Prosperity account it is negative in one account $*.* and in my other account $*.*. In my Randolph Brooks account I only had $*.* so now I have a zero balance
What is the contact information for Prosperity Bank and Randolph Brooks Credit Union where your accounts are frozen?
Prosperity Bank phone number is *-*-*. You will have to ask for the Canyon Lake office when you call this number and for Randolph brooks the phone number is *-*-*.
Prosperity Bank phone number *-*-* and for Randolph brooks it is *-*-*
What is the name of the person you spoke with at Jenkins Court Receivers?
I believe her name was Kim
What is the contact information for Kim at Jenkins Court Receivers?
The phone number is *-*-*-*, extension *
What is the total amount of money you owe to Discover according to the judgement default?
*.*
What is the name of the court where the judgement was issued?
I am not sure it just says Comal County County
What is the address of the Comal County Court?
if it helps, it says in the county court at Law number to Comal County, Texas
law office number two
What is the full address of the law office number two?
* N., Seguin, ST,ST101 new Braunfels, TX *
What is the name of the law firm that is representing Discover in your case?
Zwicker & Associates, P. C
What is the contact information for Zwicker & Associates, P. C?

In Texas, certain funds are exempt from garnishment including Social Security benefits, unemployment benefits, workers' compensation, and retirement benefits. If you're considering bankruptcy, it's important to consult with a bankruptcy attorney. The nearest court to you is Comal County Court at Law Number Two, located at * N. Seguin St, Ste *, New Braunfels, TX *.
*-*-*-*
What is the name and contact information of the law office handling your case?
it doesn’t say
it doesn’t say it just says what I sent above
Zwicker&Associates. No lawyer name
it doesn’t give a name for their lawyer
Jenkins Court Receivers *-*-*-* extension *
I have already sent it
What is the total amount you owe according to the judgement default?
$*.*
What is the name of the court where the judgement was issued?
I have already sent this information
What is the name of the law firm that is representing Discover in your case?
Zwiicker & Associates
What is the contact information for Zwicker & Associates?
*-*-*-*
What is the name of the judge who issued the judgement default?

In Texas, certain funds are exempt from garnishment including Social Security benefits, unemployment benefits, workers' compensation, and retirement benefits. The nearest court to you is Comal County Court at Law Number Two, located at * N. Seguin St, Ste *, New Braunfels, TX *. Their contact number is (*) *-*.
Charles A Strphens
What is the total amount of your monthly expenses?
Stephens
Charles A Stephens
What is the total amount of your monthly expenses?
$*