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In the US, No. Being sued for unpaid credit card debt is a civil suit brought by the creditor to recover monies owed. There are no criiminal penalties like jail time or fines in civil suits. Even if the ceditor gets a judgment against you and you refuse to pay it, the creditor cannot seek criminal penalties. The creditor would pursue civil remedies like garnishment and seizure of assets.

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Wiki User

15y ago
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Wiki User

15y ago

READ YOUR CREDIT CARD AGREEMENT It is not credit card fraud. If you do not make payments on your credit card, it means you defaulted. If you maliciously obtained credit cards and charge up limits without any payments, it might be considered fraud

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Wiki User

11y ago

No. Credit card debt is a civil liability. Only credit card fraud, or paying with a bad check, could subject you to criminal prosecution. You could face loss of credit or even involuntary bankruptcy, though, and that is not good.

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Wiki User

15y ago

Failure to pay credit card debt is not a criminal offense. You cannot be arrested and charged with a crime for unpaid credit card debt. Remember, in order to be arrested, the police must have either a warrant for your arrest that has been issued by an independent court magistrate, or the police must have probable cause that you committed or are about to commit a criminal felony offense. So to answer your question, there is no criminal offense that would lead to your being arrested for failure to pay a credit card debt. Every case is different, and the detailed facts would need to be known in order to provide a proper legal answer.

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Wiki User

13y ago

First, your name goes to a collector. Then, if you refuse to pay, your assets will be taken (car, house, etc.) to make up for the money. If, after a long enough time, you still refuse to cooperate, yes, you can be jailed.

I would recommend filing for bankruptcy before letting it get that far.

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Sameer

Lvl 5
2y ago

Even if you run up thousands in debt and don't pay for six months, they still can't arrest you. In fact, the only way you could really go to jail for racking up credit card debt is if you used someone else's identity to do it. That's called credit fraud

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Wiki User

11y ago

Yes. You can go to jail if you don't pay your credit cards. Not paying credit cards is the same thing as stealing money from the bank. It's a serious matter.

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Wiki User

15y ago

Yes, you can. The credit card company can garnish wages and other methods of getting their money back. They can also file criminal charges for theft and/or fraud.

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Wiki User

14y ago

No. Non payment of debt is a civil matter not a criminal one.

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Q: Can you go to jail for being sued for credit card debt?
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