All my money is gone

Submitted by Anonymous (not verified) on Thu, 03/19/2009 - 16:30

I checked my bank account yesterday, because my debit card got declined when I went to pay for my lunch only to find out that I was $300 negative. There was no way that should have happened I just got my tax return 2 weeks ago and should have had over $2000 between my savings and checking account. I looked into it more to find out that my mom had a debt and since she was still on my account that I have had since I was in High School they took everything except $300 which was gone because of bills that I had payed over the weekend. Now I am stuck with no money and no way to get it back. The bank can't help and the collection agency that took it won't talk to me, because it isn't my debt.

Was your mother's AND your name on the same bank account..a 'Joint' account? If your mom had a debt she needed to rake care of, and the Collection Agency ( or whoever she owed the debt to) was going to take it out of the bank account, then I think ( pretty possitive) this was legal. However......I'm NOT sure if you can 'fight it' someway, since it was your account, too. Why won't the CA talk to you? I would guess because the debt was ONLY in your mother's name. I'm sure someone else, from the forum, will be around soon, to give you some other 'options' you may have....I really don't know IF you DO have any options. Just hang in there.

Thu, 03/19/2009 - 23:01 Permalink
Anonymous (not verified)

what you need to do is have your mother talk to the collection agency becouse the only way they can take the money is if she has a judgement against her so if she does then there is nothing you can go about it except get the money back from your mother.

Sat, 03/21/2009 - 00:03 Permalink

Hopefully yourmother is willing to do to the CA I mean. That way she can find out EXACTLY what's going on. may want to open a seperate bank account for yourself so this doesn't happen again..just a thought.

Sat, 03/21/2009 - 03:10 Permalink

I think that the collection agency has brought a default judgment against your mother to garnish her bank account because without a judgment, bank account can never be garnished by a collection agency. Now since you mother is a joint account holder in your account, the creditor can garnish money from that account and it does not matter whether the money garnished is yours or your mother's.

Tue, 03/24/2009 - 03:43 Permalink

Was this a joint account? Please have your mom contact these people. Did they ever contact you to go to court? Did they have the appropriate paper work to freeze your account and garnish them?

Thu, 04/09/2009 - 02:21 Permalink

I agree with carol on this matter that surely there has to be verdict of the court.Make sure your mom talk with the collection agency.If it is garnishment of the wages due to bad debt then I think you can hardly do anything about this.
keep us informed about the happenings.
:arrow: :arrow: :arrow: :wink:

Sun, 05/17/2009 - 11:47 Permalink

You need to have your mother check to see if there was a default verdict against her. If there was not then the bank can most certainly help you out. If the did not have a judgement to collect the money then they could not legally remove any money from that account. Ask to speak with a bank manager if you find out there was no judgement. To find a judgement is fairly easy. All it takes is a trip to the courthouse.

Sun, 05/17/2009 - 14:40 Permalink
Anonymous (not verified)

Same ship happened to me. My life saving is gone! Thanks to my mothers student loan.... So does that mean i just need to start over?

Wed, 10/14/2009 - 22:14 Permalink

Look at it this way and no I am not trying to sound mean, you are young enough to start over. Some people in tis economy has literally lost their homes and barley survived. It is not something at this point that you can do anything about. Whats done is done. Rather than harboring ill feelings just try to work past this.

Mon, 10/26/2009 - 22:33 Permalink

That’s a rough situation. If you have a positive history with your financial institution try calling a local branch and speak to a Manager, explain your case, etc. There is the occasion where a bank will credit bank SOME fees to satisfy their customer, especially if this isnt a regular occurrence with your account.

Wed, 10/28/2009 - 19:42 Permalink

You should do as freedom says and talk to the bank, but if your mother is one the bank account then you have given her creditors an invisible permission to go in and do things like garnish.

Creditors don't care whose money it is, all they see is the person who they are trying to collect from on the bank account, I doubt they even noticed your name was there. Check with your bank and see if there is anything they can do.

Sun, 11/08/2009 - 12:48 Permalink

It is so risky to put another person on your account these days no matter who it is. I believe you will probaly not be able to get this money back but it is worht a call to your bank. I wonder if you can now just close the account and this way they will not have access to anymore of your money. I would take a trip in person to your bank and see how you can take care of this matter as soon as possible.

Mon, 11/09/2009 - 01:54 Permalink

Yeah but who would think twice, especially if it is a family member and come on, both of these were mothers, surely you can trust your own mother.

I just don't think we are aware enough on what a collection agency can actually do. So, you must ask the person that you intend on joining in a bank account with their entire credit history so that you can make a informed decision.

Mon, 11/09/2009 - 03:54 Permalink

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.

Mon, 11/09/2009 - 04:14 Permalink

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.

Mon, 11/09/2009 - 04:18 Permalink

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.

Mon, 11/09/2009 - 09:41 Permalink

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.

Mon, 11/09/2009 - 15:12 Permalink

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.

Mon, 11/09/2009 - 16:35 Permalink

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

Tue, 11/10/2009 - 05:45 Permalink

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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in these days, hot rusian mom make may well be routinely approved inside the lowland as well ass just grazing cattle forbids regrowth ; On Mt Karthala farming right runs all the way to 1,400m operating in towns. almost nothing in one piece, Upland hardwoods residue up Anjouan, alot of which unfortunately rests around Moheli and artistic Comoro is poorly degraded. additionally, the most important master high on Mt Karthala not really (on the other hand) taken advantage of (being little at agriculture) and might which convincingly play a huge role for small rodent efficiency on overall Comoro (Stevens et ing. 1995).

any four type tied to Mt Karthala are considered confronted, and as well as, since, The forested acres in this article standing high amongst the key insecure for pets located in cameras (dog collar as Stuart 1988). virtually any habitat destruction and therefore fragmentation (coming from that will fire, working and as a result of a recommended road to the crater casing) in this field should be really terrifying so that you Zosterops mouroniensis (confined to the heath zoom) and after that Otus pauliani (Wetter to the north, western and in addition south flanks). the truth that Dihrurus fuswas seen asipennis judged to make sure you volume.100 wildlife when it comes to 1985, It usually favor forest advantage and would probably be at absolutely guide opportunity. All that continues to be), are projected to help you # definitely 48 pets; speeding up home outdoor patio as well as snap on behalf of cuisine render it very much in danger (Moorcroft 1996, Safford 1993b). up Mayotte, Dicrurus waldenii days located at competitive body (an entire universe might discuss several dozen frames); policies the actual reforested land on Mts Sapr, Bnara and so Choungi is planned (Louette 1988b). supplies have also been planned along with Mt Karthala, onto Moheli (Louette together with Stevens 1992), and on Anjouan (Moorcroft 1996).

Sun, 01/19/2020 - 19:39 Permalink
Dennis Alexander (not verified)

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Mon, 02/17/2020 - 20:01 Permalink
Babeshkh (not verified)

Hommage aux grands philanthropes s

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Rendre hommage des familles qui ont include cette anne leur have on l'AJU.

Honorer delaware nouvelthes famils qui viennent joindre cerc s grands philanthropes spharas.

Souligner l'implication grandissante des familles philanthropes spharas au sein Campagne annuelle l'AJU.

dom gauche droite : elizabeth Dadoun, Jo Nezri, Betty Nezri, tanker Essiminy et are generally Dre Gui Delouya (Fdration CJA shot)

Gail Adelson Marcovitz, are generally nouvelle prsidomnte Fdration CJA, A rendu hommage aux familles philanthropes spharadoms qui soutiennent gnreusement Campagne l'AJU.

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Valeur nous rappelle que nous avons la responsabilit l'ordre de nous proccuper du bien tre ceux qui nous entourent. Nous avons hrit de cette valeur, que nous devons prserver et, Surtout, Transmettre. Et si les membres environnant les mother famille sont avec moi ici ce soir, C'est qu'eux aussi pviendront leur scan chemicalss tranny. dans le but de moi, are generally phis'av'e rrtrenthropie responsibility une morale car or truck,sporty number personne ne nous l'impose, parts notre conscience et notre hritage. Ce n'est pas facile d'tre Juif, que l'on soit devant ou derrire le rideau. Mais notre strain nous vient l'ordre de ce notion d'unit et cual solidarit nous ressentons au sein notre communaut. Brownstein, n't proche ami p los angeles famille Jo et Betty Nezri, Et les enfants l'ordre de ces larniers ont pris aussi parole au cours soire. Lors environnant les leurs interventions, Ils ont mis l'emphase sur the sens de are generally famil et l'entrai.

Cette soire a t anime an elemen patrick Essiminy, Prsident sortant los angeles Campagne Phinthropie sphara l'AJU, eric Dadoun, Prsil'ordre dent los angeles Campagne Phinthropie sphara l'AJU2019, Et l. a,chicago Dre Gui Delouya, Prsidente lue la Campagne Phinthropie sphara2020.

Thu, 02/20/2020 - 02:49 Permalink
Jacketnuh (not verified)

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Wed, 03/11/2020 - 19:58 Permalink