Legal Talk

The advice of a good attorney can be expensive but an attorney's knowledge can be priceless when applied in the correct situation.  Do you have a question about a legal matter and want answers?  Go to www.newspaperattorney.com and submit a question to be answered by an attorney licensed to practice law in the state of Kansas.  Your question may just end up getting answered on this blog!  Remember the Law Office of Brandan Davies LLC does not represent you in any manner until a formal representation agreement has been executed.  The following information is not legal advice and is for entertainment purposes only.  If you need specific legal advice concerning your own legal issue consult with an attorney directly. Ask Away!

Q:  I had had bought a motorcycle at a big dealership.  The dealership told me to get one of their credit cards and buy the motorcycle on it to take advantage of a really low interest rate.  I did what they said but didn't pay it off. After the low interest rate wore off my payments are crazy expensive.  I couldn't make the payments and just stopped paying.  My mother told me that they can come after my paycheck... Is this correct?

A:  If you entered into a contract to get that credit card (which you almost certainly did) and used it to buy a product, then you must make the payments.  If you do not make the payments then many different things could happen.  The credit card company’s collections lawyer could file suit in court to collect the money that you owe the credit card company.  The court will require that you get notice of the suit and you will have to come to court to answer for the debt.  If the judge determines that you do owe the money then he/she will enter an order of judgment against you.  The credit card company can then seek to attach whatever assets you have (with some exceptions) with that judgment.  Then they can execute that judgment on your assets. (Also known as take your money, sell your things, garnish your paycheck)  The long and short of it is, barring some defense, they can come after your paycheck.  You may want to speak with an attorney that specializes in debtor's rights.