Texas Court Awards $5,407.79 in Unpaid Credit Card Debt
A bank sued an individual for unpaid credit card debt. The individual acknowledged the debt but cited financial hardship. The bank filed a motion for summary judgment, which was granted. After settlement attempts failed, the case proceeded to trial, and the court ruled in favor of the bank. A default judgment was later entered, and a receiver was appointed to collect the debt.
Case Information Updated: October 2025
Case Outcome
- Outcome
- Settlement
- Amount
- $5,407
- County
- Harris County, TX
- Resolved
- 2025
Injury & Accident Details
- Injury Type
- Other
- Accident Type
- Other
- Case Type
- Motor Vehicle Accident
Case Overview
Discover Bank initiated legal proceedings against a defendant on November 12, 2018, seeking to recover $5,407.79 in unpaid credit card debt. The complaint alleged the defendant obtained a credit account and subsequently failed to repay services rendered under the agreement, despite demands for payment.
In response, the defendant acknowledged the default but cited financial hardship, stating an accumulation of over $14,000 in personal debt, a $25,000 automobile loan, and a limited monthly income after expenses. Discover Bank later filed a motion for summary judgment, arguing a valid contract was formed through card use and that no genuine issue of material fact existed. The motion included an affidavit detailing the account balance and statements. The court found no genuine issue of material fact and initially ruled in favor of Discover Bank.
After several continuances and unreturned settlement offers, the case proceeded to trial. On March 30, 2019, the court ruled in favor of Discover Bank. A default judgment was entered on December 11, 2019, against the defendant, who did not appear. The judgment awarded Discover Bank $5,407.79 in principal damages, post-judgment interest at 5% per annum, and court costs of $331.06. Subsequently, in January 2025, Discover Bank moved for the appointment of a post-judgment receiver in Texas due to the defendant's failure to respond to post-judgment discovery. A receiver was appointed in March 2025, authorized to take possession of nonexempt property and recover funds.
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