i live in texas and i am quiting my cc's. can they take my house? i dont work, but my new hubby does. we have joint bank accounts. my home is in my name, bank stuff is in both our names. i dont work , but he does, i am sick of my hubby griping about my cc's, so i told him i am not paying them anymore. i am sick of disc. uping my rate, i havent never been late, now my interest rate is 24% ,use to be 12%. they took $4 off of my balance, i sent in a payment of $163 , and they only applied $4 to the balance!!!!! i say screw them if i wont lose my home and bank account!!! any advice is appreciated!!!!!! cause i have never not paid my bills.
You haven't missed any payments, but you want to screw up your credit? Credit card companies a hassel to deal with, but try to pay the cards off, then close them. If your credit is good, I think you might regret messing it up in the future. Good Luck!!!
Jasper is right, it may not be worth the hassle. I was with Discover for 7 years, had only 4 late payments in the life of the account, and they still don't know where the moral high road is....But as I posted earlier, they can't take your homestead or your wages in Texas for credit card debt. But I would quit USING the cards, and tell hubby that since TX is a joint property state, he will be liable for the debts incurred during the marriage just like you. And they will come after him as well if they are not being paid. I have not used a credit card for over a year now, there's life without it, and slowly but surely they do get paid off. Of course, if the CC does something illegal, by all means file a dispute with them, and see where that goes.. but you've read my other thread.. good luck either way!
How much total debt are we talking about here? If it's just a couple thousand bucks I would find some way to get agressive and pay it off. You mentioned that you don't work. Maybe you should. I can understand that it might feel good to try to screw the card issuer, but the more likely result is that you'll screw yourself. Imagine spending the next seven to ten years unable to borrow money for a car, a house, or anything else no matter how bad you need it, and you might rethink your current situation. Trust me, I've been there.
