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Judgments and taking money from checking accounts

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Subject: my someone has a judgement on me
Posted on Tue May 12, 2009 3:22 am  

I get money from the state for the foster children and my enumployment can they do that.

Joined: 11 May 2009
rachael's page
Posts: 233

6576 Magic Points

Posted on Tue May 12, 2009 8:27 am  

Hi hellcat,

There are certain limits to garnishment. You can object that you need the money for your own support. For this you will have to fill out a form in court. By filling out the form you can be temporarily "judgment-proof". However once you are employed the creditor can seek a judgment and restart collection of debt by garnishing 25% of your wages. So once you are employed it is better to negotiate and pay off the debt. "Paid as settled" listed in your credit report is better than "judgment".
Looking forward to a debt-free life.

Subject: take money out of social socurity
Posted on Mon Jun 15, 2009 4:19 am  

can student loan debit collectors take money from checking account if it is your social sucurity

Subject: HELP
Posted on Sun Aug 23, 2009 4:50 pm  

I had recently found out about some store credit cards that were opened in my name in 2004, at the time these were opened i was disabled from a car accident and i was disabled for 13 mos, just finding out about because apparently the only get up to 6 years to collect the debt or something (and without pressing charges cant get it taken care of and dont feel like I can do that)thy froze my bank account and did what they asked and provided what I needed to and they released it and I have had to pay the city marshall and have paid that off, my concern is that I think that there are more but I dont what where or who to contact to avoid that entire process again, I have taken it up personally with whom has done this but am concerned that someone else will freeze my account and I will be stuck again.Also there was a wage garnishment placed, I dont know who did this but I have a position at a bank and am concerned that this all can result in termination, then nobody will get anything but I am just wondering wher i can find what rights I have,howmany times my account can be frozen and how many garnishments can be placed!!!

Subject: Help,continued
Posted on Sun Aug 23, 2009 4:54 pm  

I have moved since these accounts were open at least 2 times and really havent received manytthing on them until recently withe the freez on my account and that was a little late, I am trying to stay on top of it so that I can maintain my job and account in a good status but dont know what to do and if I need to still be concerned or if there is a limit to what they can to me until I can figure it all out!!!
PS I live in upstate New YOrk

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

140 Magic Points

Posted on Sun Aug 23, 2009 11:39 pm  

Christina, I really feel you should have pressedx charges. You may have to live with these consequences for years and years over someone who took advanage of you when you were down and out. Who is to say , since the SOL has not passed, that there are not more creditors waiting to sue you? Some may have passed debts off to debt collectors and you will face years of calls and harassment.
You are really in a bad situation and one that could haunt you for years to come. The only prob lem is by paying on these debts you probaly now took responsiblilty and full ownership of them. You may just have to continue on paying them and hope new ones do not come up.

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

616 Magic Points

Posted on Mon Aug 24, 2009 11:09 am  

That is how it normally works, but things can get goofy at times.

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

140 Magic Points

Posted on Mon Aug 24, 2009 1:19 pm  

I am sure it does but with out trying this could actually ruin your credit. It is always hard when a loved one is involved but I have to think the loved one did not care as much when the other person was recovering from the accident. Not repoprting this is going to effect credit for a long time to come and not teach the other person a lesson.

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

616 Magic Points

Posted on Mon Aug 24, 2009 5:25 pm  

I hear you, just like when you are co signing, as much as you want to help out someone, you must be very careful, you can end up in a lot of crap trying to be nice. Seems like the co signer really gets the shaft. Always be prepared to pay for it as if you got it for yourself if you are signing to back someone up on a loan.

Subject: judgement
Posted on Mon Aug 24, 2009 6:51 pm  

I recently received letters from local attorneys asking that I contact them re: a recent judgement filed on me 2 weeks ago, but this is the first that I've heard of any such judgement. Should I expect to be 'served'? If not - then how can I locate this judgement to obtain the details?


Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30071 Magic Points

Posted on Tue Aug 25, 2009 11:10 am  

hi yellowrose

pull up your credit report. It must contain information about the judgment. Contact the creditor and try and negotiate with them about arriving at a settlement. Make sure you have your figures right when you make your offer.
Keep in touch

Subject: pension garnishment from checking account
Posted on Mon Aug 31, 2009 7:01 pm  

Can credit companies garnish my checking account where I have
direct deposit for my state pension, I'm 68 years old, and my
wife and children are also on the account,

Posted on Sun Sep 06, 2009 11:45 pm  

My check is being garnished for child and the rears included . now I am left with about 600 after child support takes the money out , I deposit my check every time i get paid and now my account is frozen. is that a default on their behalf be just not looking in to it and will my account be released once a fax my info over to them

Posted on Sun Sep 06, 2009 11:51 pm  

I'm paying 700 in Child support and now the money i have in my checking they are trying to take as well when my checks are what is goin in to my account can they still take what they are leaving me with after child support is being taken out already

Subject: Law Office
Posted on Sun Sep 20, 2009 2:36 am  

I had a law office call me on debt I owe, to a finace company, we set a date for the money to come out of my checking account. But 3 days later they tried to take it out of my checking, the money wasn't there, so I was charged a $35.00 fee. They took it out 2 weeks early. and to top it off they sent me a letter confirming our date the money would be taken out. what can I do about them more less lieing to me. I have the proof of the letter they sent me and where it was taken out of my checking account. Thanks Susan

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