Dont be a dummy like me

[frogger]

From my past experience doing collections, garnishments, levies, repos and foreclosures - the creditor would have to know the particulars of the account in order to attach it. In other words unless the creditor has the bank's name, the name the account is under, and the account number there isn't much they can do.

That information is not very difficult to get.

[chicagoannie]

I waited too long to get myself going filing bankruptcy and recieved a letter today stating i now have a 9800.00 judgement against me.

I guess I new it was coming sooner or later and theres more to come Im in massachusetts and I think theyll be cleaning out my checking account soon hope they leave me some money to live on

So, Hopeless - what did you end up doing? Update us!

[yang0837]

I hope you listened to everyone and got your money!

[hopelesslyindeb]

going to lawyer on tuesday thats the soonest I could get he said I had a littletime before they hit the bank account and garnishment and bank account is wifes name i keep updateing as i go

[chicagoannie]

going to lawyer on tuesday thats the soonest I could get he said I had a littletime before they hit the bank account and garnishment and bank account is wifes name i keep updateing as i go

Well, I can tell you my bank account got hit with no warning by a judgment creditor. It was a creditor I had written checks to for paying my bill, so they had all my account information. Not sure why you did not empty your account prior to the upcoming attorney visit, but I do hope it all works out for you!

[OhioFiler]

You should take all your money out of the account and run to the casino. At least gambling at the casino allows an opportunity for you to win. The gamble of leaving the money in a bank provides no odds for you.

[hopelesslyindeb]

well i did empty the account and when my check hits account ill empty it that day,like I said wifes account my name on it not joint and she has a disability check that goes in monthly so if they freeze that account that may be a problem for them right?

[backtoschool]

It is very easy for judgement creditors to find where you bank, unless you bank in another state, far from where you reside and work. If you leave your money in the bank there is a very good chance they will find where you bank and levy the account.

[enuffznuff]

.

[enuffznuff]

well i did empty the account and when my check hits account ill empty it that day,like I said wifes account my name on it not joint and she has a disability check that goes in monthly so if they freeze that account that may be a problem for them right?

Your wife should either take your name off the account (if you're not a signer/joint account she should be able to just take your name off of it) or open a new account without your participation (preferably at a new bank) to have her disability check put in. If you have used that account in the past, it can be very, very difficult to prove that it wasn't your money. my friend had a business merchant processing account seized by a creditor (she had a sole Prop. with independent contractors, and the business had one account that all the independents processed their visa monies through, and she wrote their checks every month) and they took everyone's money, but bc her name was on the account, she was not able to get it back from them, even though it really wasn't her money.) so don't assume that bc it's your wife's money they won't take it,t hey take it first and ask questions later.

[chicagoannie]

well i did empty the account and when my check hits account ill empty it that day,like I said wifes account my name on it not joint and she has a disability check that goes in monthly so if they freeze that account that may be a problem for them right?

If the disability money is exempt, then the creditor will have to give it back, trouble is, your family will be out that money until/when that happens. So be sure any money going into that account is money you can live without (now THAT is a concept foreign to this broke bankruptee!) because getting the funds back can take weeks or even months.

[Snax]

So being that we filed our Ch7 in less than a week after a default judgement was placed against us, do we still need to worry about our bank account getting cleaned out? If so, can we nip that in the bud by putting our bank on notice?

[moneyblues]

FILE, FILE, FILE, NOW!!! And a newbie said that. GO...Stop reading this and go to that attorney right now. Okay call him first and GO! And another thing, Go get your money out of the bank and put it in the pillowcase that you lay you head on until things blow over.