Debt Councelors

Can my creditor take my assets in Texas when my debt is all insecured debt?

I have a collection agency threatening to file a judgement claim against me. I heard from a credit counselor that they can not take any of my assets such as my car (which is leased), my house, or cease my bank account etc.

What can they do in Texas?

I need to get out of serious credit card debt, can any one lead me through the process?

I lost my full time job, and the late fees, interest, ect.. have all addedd up, it’s no way I can ever get caught up at this rate. There sre so many credit counselors that I don’t know wich way to turn. Please help!!

i want to know of some debit counselors that i can use to resolve my debts?

bills: check advance loans (3)
unsecure loan (1)
secured loan (1)

i would prefer to find a debt consolidator that is non-profit.