Our bank account was levied last month by a creditor that I have been paying for two years. The reason they levied was because I lost my payment book while out of town and forgot to pay on the account. To be honest, I am paying on so many judgments due to my Husband losing his job, and me being unable to work due to my health, that it just got forgotten about.
In any case, we had cashed in my Husband's 401K to pay our house note and to pay some other bills off and so there was money in our account at the time. The balance of the judgment was $1378.26, according to the court clerk. My account was levied for $1478.26, which covered the judgment, the $100.00 fee to the bank, and all of the other costs involved with the judgment from the start. The creditor is claiming that we still owe them $1510.37 (the judgment plus interest) and want me to commit to a payment plan because they don't know how much the clerk's office is going to send them. I spoke to the clerk's office and they are sending the creditor $1356.26, which is accounting for the $22.00 fee that the sheriff's office charged to serve the levy on the bank. That leaves a balance of $154.11 in interest, and according to the clerk, the judgment has been satisfied. It's not our fault that the creditor did not take the full amount (including interest) when they levied our account, the money was there for them to take. I have spoken to the creditor several times and have tried to find out what I need to do but, am getting nowhere fast. What options do I have to prevent them from taking anymore money or having to pay the extra interest when they made the mistake of not taking what was owed to them from the start?