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Credit card garnishment laws in California

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marie
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Subject: judgement in nc
 
Posted on Thu Mar 25, 2010 3:58 pm  

i have a credit card judgement in nc can they levy my checking or savings account? they sent some type of letter wanting me to exempt property? i dont understand?
Aaron

Aaron

Joined: 08 Feb 2010
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48565 Magic Points

Subject: credit card judgment
 
Posted on Fri Mar 26, 2010 7:53 am  

Hi Marie,

Whether or not a bank account can be levied depends on your state laws. If there is a judgment, your accounts may get seized. However, each state has an exemption limit which generally is within the $1K to $2K range.

As for the exemption, can you be more clear on the details? Can you tell me who sent you the exemption form?

Thanks,

Aaron
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robert cox
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Subject: garnisment
 
Posted on Fri Mar 26, 2010 7:51 pm  

i live in pa.,but bank account is in md. can i be garnished
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



541 Magic Points

 
Posted on Fri Mar 26, 2010 11:55 pm  

I am not real sure how that would be handled, weather it will follow the laws of pennsylvania or maryland.
Aaron

Aaron

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Posts: 2632



48565 Magic Points

Subject: garnishment of account
 
Posted on Sat Mar 27, 2010 10:50 am  

Hi Robert,

Yes, your account can get garnished. However, this depends on the state laws om garnishment too. You can consult a lawyer for better advice.

Thanks,

Aaron
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Robert G. Steller
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Subject: Wage Garnish
 
Posted on Sun Apr 04, 2010 3:04 am  

If I live in California but my employer is in North Carolina and my pay checks drafted there can they garnish my wages. I am not sure if it is where I live or where my employer writes checks. I know that North Carolina is exempt from garnishing wages
john felstow
Guest






Subject: RETIREMENT FUNDS
 
Posted on Wed Apr 21, 2010 7:36 pm  

Can a bank acct. with only SS & union retirement funds in it be taken by CREDIT CARD JUDGEMENT ?
Guest







 
Posted on Wed Jun 09, 2010 2:37 am  

i run my own home daycare,how can they get money from me?my business took adown fall ayr ago. n i tryed talking to my creditors n all they do is argu with me.the charges on my credit cards are not all from me.. its over limit n late fees..my car is payed for, not worth any amount.. im a single mom 2 kids 1 is anerexia.. i do get child sup... can they go after my cking acct?
Guest







 
Posted on Wed Jun 09, 2010 2:43 am  

how does a judgement work? can they make me sale my home or is it just when i choose to sale it. i only owe in my part maby10,00,do i need to clear out my cking acct? i dont have anything in my home to come after just how does this work..
Aaron

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Joined: 08 Feb 2010
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Posts: 2632



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Subject: reply
 
Posted on Wed Jun 09, 2010 9:57 am  

Hi Robert:

Can I know where was this debt incurred? California or North Carolina? The garnishment laws of that state will apply, where you had incurred this debt.

John:

No, Social Security Income (SSI) and Retirement funds cannot be garnished as per the Federal Law. However, you will have to declare that your money comes from SSI and Retirement.

Guest:

Yes, the creditor's can garnish your checking account. What you can do is write a hardship letter, and attach a copy of your monthly income and expenditure. Send this letter through certified mail, requesting a return receipt. You can also try debt consolidation. In debt consolidation all your debts are consolidated into one, and you need to make a single monthly payment. As for the late fees, and over the limit fees, your creditors can charge you these fees if you make late payments, or cross the card limit.

Guest:

Can I now what is this judgment for? What kind of debt is it?

Thanks,

Aaron
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Lee Marie
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Subject: credit card default judgment
 
Posted on Fri Jul 30, 2010 1:47 pm  

what propery can be seized (home? car? etc)
Aaron

Aaron

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Subject: credit card default judgment
 
Posted on Sat Jul 31, 2010 11:42 am  

Hi Lee Marie,

Creditor cannot seize your car or home as such. They can put a lien on your assets. That is, you won't be able to sell your home or car without paying off the judgment amount. Can I know how did this get to be a default judgment?

Thanks,

Aaron
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rudy
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Subject: Liens
 
Posted on Sun Aug 15, 2010 6:02 pm  

I filed bankrucy ten years ago, and all my debts were excused. I check my credit report and pubic records and 2 credit card companies have liens against me one was filed before the bankrupty and the other lien after. Is this legal how can i dispute this or get this removed.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: liens
 
Posted on Mon Aug 16, 2010 10:42 am  

Hi rudy,

Please let me know the status of these accounts. The lien that was put before the bankruptcy is legal, and must show debt discharged. The other one put after the bankruptcy is not a legal one, and should be removed.

Thanks,

Aaron
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phil
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Subject: judgment
 
Posted on Mon Sep 13, 2010 3:54 am  

I live in SC can the credit card company garnish my checking account I know they can't my wages but not sure about the checking account and what about my car are home can they put liens on them if they not pay for either Help anyone

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