In Texas can a credit card company freeze your bank account if you don't pay them, also can they put a lien or judgement on property?
by 
gillis
ANSWERS: 4
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A credit card company can sue you, get a judgment, and then drain your bank accounts and put a lien on your property. Note that the first step is to sue and get a judgment. Once you have the judgment, there are many involuntary methods of collection that can be utilized.
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They'd need a judgment - a court order - to do that, which they would probably get if you defaulted on your debt. So, the answer is yes.
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If your credit card is with the same bank as your bank account, then generally the bank will be able to freeze (or deduct the money from) your bank account for amounts owed on the credit card. This provision is usually in the tiny print on the terms of the credit card agreement and/or your bank account agreement. As for placing a lien on your other property, the bank would need a judgment.
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Many of the comments on here are FALSE or not specific enough. I suggest you get advice from a bankrucy attorney. Here is the rules for Texas.... Its true that a creditor (other than the one holding the primary mortgage) cannot seize a primary home for a debt. However, there are limits to who can attach a lien to a home. Generally, the only debtors that can do that are those granted a mortgage by the owner and those that did work on the property (referred to as a mechanic's lien). Credit card companies have unsecured debt therefore they cannot put a lien on real property only cash assets.
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