The primary reasons to defend credit card collection lawsuits are to avoid involuntarily losing money and property, and harming your credit score. The most common collection method is for the credit card creditor to request the sheriff to freeze and garnish your bank accounts. This is particularly problematic when individuals are using their bank accounts for direct deposit of their paychecks and to pay their mortgages. Instead of the funds going to the mortgage company the credit card creditor intercepts them. Everyone knows that an auto lender can repossess a person's vehicle if they fail to make the monthly payments. This is because the auto lender has a secured interest in the vehicle. Most people, however, do not realize that an unsecured creditor, such as a credit card company that has obtained a judgment can levy (repossess) a vehicle and sell it at auction. Levy means the sheriff will take possession of your vehicle and move it to an impound lot prior to auction. The proceeds from the auction will go toward paying the sheriff's fee, impound fee, and auction fee and the remainder will go to the judgment creditor. Another common technique credit card creditors use to collect on a judgment is to simply wait for the debtor to sell real estate. Normally, a potential buyer will not purchase an individual's home unless they can receive clear title, meaning the seller of real estate must pay off the judgment lien in order to sell his or her home.