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Judgments and taking money from checking accounts

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Jim
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Subject: Garnishments

Thu Nov 13, 2008 11:24 pm

We had our checking account wiped out last week by a creditor for an amount in excess of what we had agreed upon. I filed a motion to quash the garnishment with the court on Mon. and had a hearing on Wed. and the motion was granted and they had to put the money back in the bank. Course the bank (Regions) kept out $100 to steal my money in the first place and refuses to replace it.
I would suggest that everyone stop the automatic deposit of their paychecks and buy a safe. Also pay your creditors with money orders so they don't have access to your checking account#. Best.....deal in cash only.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 3236

1048 Magic Points

Thu Nov 20, 2008 2:57 pm

Jim...Thank you. This is what I try to advise people. you are not the first and surley will n ot be the last person this happens to. I had this happen to my sister and she didn't even have a garnishment or judgement. Nope, they just decided to dip into her account and take some funds. She had disputed it with her bank and the bank had replaced the money and gone after the creditor that took it. I fo not believe she even had it set up on the automatic system. They somehow (creditors) have ways of finding bank accounts (should be illegal) and doing this. People usaully get their money back when they do it this way but it takes some time.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3235

2257 Magic Points

Thu Nov 20, 2008 3:52 pm

I have had this happen to me, I have posted before about how they just go in and take the money out and I have had to go to the bank to file the dispute and get my money back. Pain in the rear and I have no clue how they got my bank account information.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 3236

1048 Magic Points

Thu Nov 20, 2008 4:46 pm

Violation of rights.....peeves me off...You think you could have sued them for doing this since it smells illegal to me. Did the bank say you had any legal action you could take against them? Be nice to see them pay for a change.

22
Guest

Subject: 22e

Mon Dec 01, 2008 4:26 am

ynj

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