Can I get arrested for not paying my credit card... - Other Questions


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Credit Card Applications » Questions » User Questions » Other » Can I get arrested for not paying my credit card debt?

Can I get arrested for not paying my credit card debt?

Answered on | Updated on June 10th, 2012
The content is accurate at the time of publication and is subject to change.

Short answer: no, probably not. Long answer: yes, maybe.

You could, theoretically, be sued by a creditor, issued a summons, fail to show up for your court date, and have an arrest warrant issued in your name– but this is unlikely to happen except in the most extreme cases.

Here’s what will normally happen if you don’t pay your credit card debt:

First, your information will be sent to a private collection agency who will attempt to collect the balance of the debt – usually through repeated calls and letters. If you ignore the collection agency’s efforts to contact you, or if you refuse to cooperate and set up a payment plan, then the credit card company may decide to sue you for your failure to pay. If you are issued a court summons and don’t show up, or if a judge orders you to make payments and you don’t make them, your bank accounts may be frozen and, in rare cases, the judge may issue a warrant for your arrest.

Don’t worry though – long before you see the inside of the Big House, you will have been harassed by collection agents, contacted by lawyers, and had all your accounts frozen. No one will haul you away without plenty of warning. But why take chances? If you’re having trouble making payments on your credit card debt, pick up the phone and tell your creditors the situation. They may surprise you. Usually they are eager to set you up with a plan that works for you – after all, they don’t want you to end up in jail, either. They just want their money back.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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