Bank Account garnishment..

[jrcrmamoore]

HI there. I'm new here, and need some advice. Today one of my bank accounts was garnished for an old credit card debt. It was my single account. I fully expect them to garnish my joint account with my husband, so I went and drew all of the money out of it and took my name off of the account.

I am planning on filing bankruptcy next month. I'm working on getting the money together. My questions are:

when they garnished my wages, it made that account with a negative $7 balance. Can I go in and put in $7 to bring that account to 0 or will they freeze that $7 as well? Also, what about any other money that is deposited in there after they have garnished. Can they take that money as well? Or are they allowed to only have the money that was in there at the time they froze it? I don't have a job, but I do have checks that sometimes come in my name. Can I still cash these checks at this bank? If not, how can I cash them?

Also, the joint account I had with my husband. Like I said, I took my name off of it, but it will take a few days for that to go through. Can they still garnish that bank account now?

Thank you all in advance!

[jb71]

I don't have the answer to your question. But I will be watching the responses. In the meantime, you can probably answer mine. What was the process for the garnishing of wages? How long did it take for them to get permission?

Here was my post...
I have a creditor that I am delinquent with abour 120 days and they have submitted it to collections. I would like to hold out another 90-120 days before filing Ch 13. The debt is very large. In order for them to garnish wages, they would have to get court permission, correct? Thus they'd have to file, I'd get a summons.... which I'd have say 3 weeks to answer, a court date would then be set for say a month or 2 out etc. Is this correct? I.e. I pretty much don't have to worry about wages being garnished or having a judgement against me happening within the next 60-90 days? I have to get a summons, right? They can't just go around me and have a court agree to a garnishment, correct?

HI there. I'm new here, and need some advice. Today one of my bank accounts was garnished for an old credit card debt. It was my single account. I fully expect them to garnish my joint account with my husband, so I went and drew all of the money out of it and took my name off of the account.

I am planning on filing bankruptcy next month. I'm working on getting the money together. My questions are:

when they garnished my wages, it made that account with a negative $7 balance. Can I go in and put in $7 to bring that account to 0 or will they freeze that $7 as well? Also, what about any other money that is deposited in there after they have garnished. Can they take that money as well? Or are they allowed to only have the money that was in there at the time they froze it? I don't have a job, but I do have checks that sometimes come in my name. Can I still cash these checks at this bank? If not, how can I cash them?

Also, the joint account I had with my husband. Like I said, I took my name off of it, but it will take a few days for that to go through. Can they still garnish that bank account now?

Thank you all in advance!