can a creditor or collection agency take money from your ban

Submitted by jmedwar1 on Mon, 10/12/2009 - 14:50
Forums

My sister had a Target credit card. I believe she is a couple of mos behind on payments. She recently tried to add this account to her C.C.C.S. debt repayment plan but they refused. Now, without ever going to court or getting a judgment a collection agency has wiped out her bank account twice. I know with a judgment they can do this but how is it legal with no judgment. She never even gave the collection agency permission to draft her acct. Target must have given them her acct number from her past payments to them.

Hi jmedwar,

A creditor is not allowed to garnish bank account of a debtor without a judgment. If the collection agency has wiped out her bank account, it is illegal. Ask her to pull out her credit report and check if the collection agency is listed against any account. She needs to file a complaint against the collection agency to the FTC and the State Attorney General. She must also talk to the bank and let them know what is happening. A complaint should also be lodged with the local law enforcement body.

Tue, 10/13/2009 - 06:58 Permalink