Finance House

What is the name of your state? TX
My parents have acquired a significant amount of credit card debt due to having several unexpected expesnes in the last few years. They can not make their minimums on some of the accounts, but are sending what they can each month. They have been turned over to collection agencies. My father tried to consolidate the debts but the company wanted more in a lump sum per month than he could afford. However, that agency, and a relative who works in the banking field, did tell my dad that in Texas the credit card company can not sue you or eventually, have property taken away or your wages garnished. Is this true? It doesn't sound right to me, but my parents are at the point where they are feeling like even sending in what they can is not worth it anymore and I want to be able to give them accurate information. Thank you for your help.