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creditor placing HOLD on my bank account

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Joined: 19 Feb 2009
joebass75's page
Posts: 1

78 Magic Points

Subject: creditor placing HOLD on my bank account
Posted on Thu Feb 19, 2009 9:52 pm  

I have a judgment against me from 2 years ago. They just placed a HOLD on my deposit w my bank. How long do I have before the creditor can take from that money or account? What is my time frame?

Joined: 19 Feb 2009
Shaquil's page
Posts: 13

502 Magic Points

Subject: Judgement
Posted on Thu Feb 19, 2009 10:45 pm  

You should contact whom ever has the judgement against you. You want to do this quickly because once it is a judgement they can garnish wages and lock all assets. You need to see if the judgement is final, because if not you have a right to see what there sueing you for, and they need to show proof. With that being said if you owe the debt then there going to keep your acct on lock until it is paid.

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

437 Magic Points

Posted on Fri Feb 20, 2009 2:22 am  

any possible way of stopping your direct deposits that way you can have money to live on while you get this straightened out.

I would do as shaquil says, contact them and see if there is some type of payment plan that can work for you and them. I am sure they will work with you.

I am not saying to stop your direct deposit in an attempt not to pay them, but you have to have money to live on, go to work, feed your family and etc. I would definately look into payroll and see how quick you can make this happen.

Hope this was helpful, keep us updated and feel free to ask other questions if you need to.
for all the ways I make $$ online

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

123 Magic Points

Posted on Fri Feb 20, 2009 12:34 pm  

Usaually if you have a paycheck direct deposited it can take up to two weeks to get the direct deposit to stop. I wanted to switch my paycheck from going in direct deposit at one time due to hourly mistakes on my pay and it took alomost two pay periods before it could be stopped. This meaning your next check may go in direct deposit but the one after will not. This is why you should go sign any forms necessary to stop direct deposit. I also would call and make payment arrangements. This way a monthly amount can be set in stone and they can only take the amount agreed to.


Joined: 28 Jun 2006
scott's page
Posts: 446

10890 Magic Points

Posted on Wed Feb 25, 2009 10:40 am  

Hi Joebass
There is a separate Statute of Limitation period for judgments within which the creditor can start the process of garnishment. This SOL may vary from 5 years to 20 years depending upon the state where the judgment was passed. The creditor has brought judgment to garnish your bank account and so your account has been placed on hold. Now if any money gets credited in your bank account, it will be automatically debited and this process will continue so long as the judgment money is repaid in full.

Use your credit account responsibly and enjoy a debt free life.
mike d

Subject: if they took off a hold of your bank account can they put it
Posted on Sat Sep 12, 2009 7:16 pm  

last week i want online to look at my bank account to see if something was taking out and i look and they was a hold on it. i call they courts in nj and they told me i had a judgement again me i told them i never got anything in the mail that there was a judgement again me. they give me the lawyer number i call i told them that i been unemployment for a year and a half so we come up to 50 every two weeks. the hold was of my bank account can they do that again. and when there is a judement against you are they supp to tell you or mail something to you.

Joined: 19 Aug 2009
Arya's page
Posts: 45

1210 Magic Points

Posted on Sun Sep 13, 2009 9:43 am  

As judgement is against you you have to talk with them and find out the solution.

Discuss the issue with them and do the things with legal background.

Take care

Subject: garnishment
Posted on Sat Nov 21, 2009 12:02 am  

If a judgement against my husband was ordered can they stop me from stopping my direct deposit in the bank

Subject: judgement
Posted on Wed Jan 13, 2010 1:56 am  

If there is a judgment against my husband can they put a hold on my account if he is a joint owner?
felix blonski

Subject: hold on unemployment debit card
Posted on Mon May 16, 2011 4:49 pm  

I go to the bank every two weeks and withdraw cash . This week I could not withdraw because the bank said they put a hold on the money. why was this done and where.


Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883

1915 Magic Points

Subject: credit
Posted on Sat May 21, 2011 12:52 am  

If you have a 'hold' on your account, you need to ask your bank. They would have he information on who is putting the hold on it, etc. I say this because documentation had to be sent toyour bank for them to put a 'hold' on your account. I would talk to the manager and see what's going on.
Faith Rogers

Subject: hold on accounts
Posted on Wed Jun 01, 2011 1:39 am  

Can the ABC bank place a hold on my funds at the XYZ bank?

Subject: hold on accnt
Posted on Thu Jun 09, 2011 6:16 pm  

there is no possible way to get money out of your account at all if its on hold? i called the people that put it on hold and they pretty much said i wont be seeing any of my money until they get their payment. is there ANYTHING i can do?

Subject: holds on accounts
Posted on Thu Aug 25, 2011 2:29 pm  

Can someone put a hold on a bank account they don't know about? Is it all done through Social security number?

Subject: acct held
Posted on Mon Sep 26, 2011 8:47 pm  

I recently added my name to my husbands checking account (we were just married in July) and the account now has a hold on it. My fear is that whoever placed that hold on that account will be putting a hold on my personal checking account as well now since my name was listed on there also. Can they do that??

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