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Ruthie
Joined: 15 Oct 2009
Ruthie's page
Posts: 63
1401 Magic Points
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Subject: Creditors garnishments
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Mon Nov 09, 2009 4:14 am
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| No bank has any authority to give or withhold any persons money with out a legal notice to do so from the court house. All they can do is freeze the acct. until the court tells them what to do. They have to notify all owners of the acct of what is happening so that anyone jointly can protest. If this was your tax money and not your moms, and you were not liable for the debt, then the bank must return the money unless they notified you. You can legally bring suit against the bank and the collection agency. The first place to start is a good lawyer and sue them all. That is a direct violation of your rights as a taxpayer. Good luck and keep me posted. Ruthie I know this one because I used to garnish wages and account for the courthouse before I got sick I did work in a bank for 17 years too. |
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Ruthie
Joined: 15 Oct 2009
Ruthie's page
Posts: 63
1401 Magic Points
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Subject: Creditors garnishments
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Mon Nov 09, 2009 4:18 am
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| No one is responsible for anothers debts unless they are willing to be. Check it out. If my son incurs a debt or my sick mother and I put her name on my account because I am trying to help, I am in no way giving a collection agency permission to invade my account. Thats against the law. They can only garnish the money of the debtor. Ask your bank for the set of rules on garnishments and writs of execution. Some one slipped up. Ruthie Good luck. Ask your bank for debt proof of garnishment. Thats why we have validation letters. |
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debranewell2008
Joined: 10 Oct 2009
debranewell2008's page
Posts: 594
99 Magic Points
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Mon Nov 09, 2009 9:41 am
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| Thanks Ruthie it sure is great to have someone to post that has experience in that kind of thing. These collection agency's think they can get by with anything. I think some of the things they do should be e legal just like selling your debt to different collection agency's. If you cannot afford to pay the first one why do they think you can pay the next one after they have added even more fees. That is the dumbest thing I have ever heard of. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
10 Magic Points
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Mon Nov 09, 2009 11:55 am
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Ruthie
Are you answering yourself on these posts? |
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Ruthie
Joined: 15 Oct 2009
Ruthie's page
Posts: 63
1401 Magic Points
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Subject: garnishments
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Mon Nov 09, 2009 3:12 pm
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| No goodnatured, you can google this if you like. Banks cannot give info. on personal info to anyone under the privacy act. They must go thru court procedures. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
10 Magic Points
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Mon Nov 09, 2009 4:35 pm
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| okay, I believe you, I am wondering why so many collectors get a way with it then, if the banks know this information then they should not let anyone access your account right from the beginning right, I guess they don't have time to monitor every account though. |
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Ruthie
Joined: 15 Oct 2009
Ruthie's page
Posts: 63
1401 Magic Points
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Subject: Garnishments
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Tue Nov 10, 2009 5:45 am
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| Some banks are too busy to check all the paperwork that comes thru. The bigger the bank the less its noticed. On the other hand some collection agency's just put it thru on an electronic debit. If you don't question a debit coming out of your account in 30 days, then its not the banks fault. You have to monitor what they do, thats why we have statements. Although if it was a bank error then you can call the branch manager and show him what happened. You must keep paperwork as proof. Never give up your originals, make copies. They have to correct it and they can up to one year. Make sure your bank is insured under FDIC and let your atty general know what happened. There are federal laws that are in effect and this one comes under the privacy act. Please keep me posted. Ruthie |
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Ruthie
Joined: 15 Oct 2009
Ruthie's page
Posts: 63
1401 Magic Points
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Subject: Garnishments
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Tue Nov 10, 2009 5:49 am
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| Another good tip my lawyer taught me was to put an ad in all my local papers personal columns saying that I would not be responsible for any debts other than my own in my own signature. That way no one, not even a spouse can do this. I just found that out today. Hope I helped a little. Ruthie |
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Retta
Guest
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Subject: XxZcwYvVOcgDxJL
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Wed Dec 14, 2011 1:37 pm
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| Call me wind because I am aboslutely blown away. |
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