If you have a judgment against you in Texas, you likely have some level of fear and anxiety that has brought you to the place of seeking out information about your rights. The Texas Judgment Debtor Handbook is written specifically to help you understand your rights as a judgment debtor in Texas. In this book you will learn everything you need to know about what your judgment creditor can and cannot do with the judgment against you. After reading this book you'll know exactly where you stand as a judgment debtor in Texas.
There are, however, a few things you need to understand about this book and it's intended audience.
First, this book is for people who already have a civil judgment for money damages entered against them by a court in Texas. If you are dealing with debt collectors who have not yet sued you or successfully gotten a judgment against you, the information in this book will not directly help you deal with those collectors. It will help you in an indirect manner because you will learn that many of the techniques debt collectors use to scare debtors into making payments they cannot afford to make is intentionally false information.
Second, this book is for people who have a money judgment against them. Courts can render many kinds of judgments. This book deals only with money judgments. Money judgments are judgments in which you have been ordered to pay another party a specific amount of money as damages in a lawsuit.
Third, this book is for people who have a judgment against them in the state of Texas. The laws, rules and forms in this volume are applicable and useable for judgments in all Texas Courts. The laws of other states may vary greatly from those in Texas so the information in this book may not apply to judgments in other states.
Fourth, this book is not designed to help you avoid paying a legitimate judgment that you can afford to pay. It is written to help you understand how Texas law protects you as a judgment debtor. But, if you had your day in court and lost you are liable for the judgment. If you can afford to pay the judgment then you should pay it. If you cannot afford to pay it, then you should have a clear understanding of your rights under the law. When you know your rights, the judgment creditor cannot intimidate you or cause you unnecessary fear and anxiety.
With that understanding, this book will give you all the information you need to understand your rights as a judgment debtor in Texas.
