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bank account garnishment



healthygal

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Sub: bank account garnishment
Sat, 13/08/2011 10:05

I just found out that my bank account has been garnished by a credit card collection agency. I am in total shock and need advice from those this has happened to. The paperwork (Writ of Execution) was signed by the judge on 10/1, but i didn't receive anything in the mail until 10/17. I have not received any notice from my bank. My account is usually in the negative, so I am not sure how they will garnish on a negative balance. How long does the bank have to freeze funds? Will they wait until funds are there before they freeze? I am just not sure of what to do or what rules need to be followed by each side? Do I stop direct deposit of my paycheck into my account? Thanks in advance for your answers. :)



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Sub: #1 CRS Continues to harrass me.Mon, 01/21/2013 - 21:34



I received a second call from a company called CRS, in TX. The gentleman left a message since I do not answer calls from an unknown number or business. Well indeed it was the same person that called me last week. He said a complaint has been filed against me. He also advised to call him back toshow a good faith response. Well, what I did do, was call him back and said, there is no one here with that name. As I've read many replies on this forum about how to get thru something like this. You see, I'm unemployed and was laid off in Oct. Work has been scarce here in WA state and I'm sure in other states as well. The only thing I can think of for this complaint was for unpaid debt, such as credit cards, etc. I was laid off in 2008 & again in Feb of 2009, & no work for 18 months. That's the only thing I can think of for debt. But I have yet to be served by any court, etc. Can someone please let me know what my next steps should be. I have no money & just trying to get by with barely enough money to cover my bills. Thanks, my personal thought, I truly thought this would be written off by the company. As this is what the practice used to be on outstanding debt. Thanks everyone, truly! 



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Sub: #2 Bank LevyMon, 01/21/2013 - 10:10



The same thing just happened to me. On 1/14 I went to get gas using my bank card and it was declined, I immediately went home to check my account and found that there was a writ executed on my account. What was puzzling is I have bill pay on the 10th & 12th and the bank did not pay it, instead they emptied my account instead of paying my bills. Outside of the creditor freezing my money the bank is charging me $35.00 per bill that came in totalling $180.00 + $28.17 processing writ fee. On top of that I have to pay the late fee to the creditors that checks bounced $25.00 per bill totalling $125.00, so I am out of the $375.63+$208.17+$125.00 = $708.17, what can I do? I am numb!



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Sub: #3 You dont have to go before aSat, 01/12/2013 - 16:02



You dont have to go before a judge when it comes to a bank levy...is a remedy of the judgment.  Get your chapter 7 filed asap.


How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


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Sub: #4 bank garnishmentSat, 01/12/2013 - 15:39



my husband got papers for a court hearing on a debt that web as not heard from anyone since 2010. at the time of the court date he was having cancer surgery. I called them and they said they would get the judgement anyway. After his surgery I called them to see what to do. they would not let me talk to anyone. short version, we got a notice from my bank stating that there was a bank garnishment but they took nothing out. only had about 132 in there. he just had another  cancer surgery and was just released to go back to work. we were never in frnot of any judges.we r filing chapter 7 because of his health. this will go in there also. how long will this garnishment last. it does not give us any money to pay for his or my meds or to live on. this is capital one. can they take all our money out of the bank. we have no assets, will lose our house and really have nothing of value. life sucks at times. would have made payments if someone would have contacted us...thanks



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Sub: #5 You need to be talking to enforecement too....if she got the $31Sat, 08/13/2011 - 10:05



You need to be talking to enforecement too....if she got the $315 fraudulently, why should you pay it????

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


sprjit22
sprjit22
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Sub: #6 Well I checked my bank today (sat) and it is still in the negatiSat, 08/13/2011 - 09:52



Well I checked my bank today (sat) and it is still in the negative. The mother of my child spoke to child support enforcement and it is supposed to be dropped. But that will still leave me to pay the state 315 because she had a cash advance???? and another 100 to my bank for processing a garnishment.


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SOAPLADY


Debt Samaritan
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Sub: #7 Talk to the legal department at your bank for information off thWed, 08/10/2011 - 19:20



Talk to the legal department at your bank for information off the order....could she be claiming food stamps fraudulently?? Call enforecment and find out what the deal is.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


sprjit22
sprjit22
Posts: 4
Credits: 260.05 Send message to sprjit22

Sub: #8 I had no idea I owed child support. I have my son all the time. Wed, 08/10/2011 - 18:59



I had no idea I owed child support. I have my son all the time. I never had any child support order or anything.
My bank account was still in the negative today. I can't believe they put it negative like that.


SOAPLADY
SOAPLADY


Debt Samaritan
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Sub: #9 have you checked your accounts today? They cannot take more thaWed, 08/10/2011 - 08:51



have you checked your accounts today? They cannot take more than you have or more than the order is worth. I believe you $30k in the whole is just because the order hit all accounts....it should or probably will be back out.

Where you aware that you owe for child support? Government recovery doesnt need a court order.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


sprjit22
sprjit22
Posts: 4
Credits: 260.05 Send message to sprjit22

Sub: #10 I found out more details. Its for child support. Its only supposWed, 08/10/2011 - 08:23



I found out more details. Its for child support. Its only supposed to be 6k but they hit every account for 6k. I spoke to child support this morning and they are who told ne it is only 6k but I also informed them that I have had my son every other month for 2 months. The mother is not the one after me it is the government. Because she is or was collecting food stamps etc. IV never been served and the child support lady told me that her system also shows that I have never been served. What can I do to get it lifted? Keep in mind I live in TN and FL is where this all derives from.
How do I owe 6k and they hit me for 30k? This is crazy.


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