CreditReportsSite .com, Credit Reports Info

How can I stop a checking account garnishment?

I had a judgement against me because I couldn’t go to court or I would have lost my job. Even before we went to court I was paying them money. I continued to send them money after the court date even though I received NO paperwork from the judge or the attorney about the judgement. I then go to use my debit card today to get food at the store and its declined when I use the debit. It finally went through using credit. I called the number on the back and found out there was a lein for a garnishment on the account. I would expect a wage garnishment but not something on my checking account. I live alone and need to pay bills and rent with that money. Is there a way to get the lein off. Who would I contact about getting it released. I have a few ideas of what I can do but would like another few options. Please only honest answers. Anything dumb or stupid will be reported for abuse.

If there was a lien legally placed against your account, you probably can’t get the money already taken back. But you can try to, by asking the bank for a form to challenge an unauthorized transaction to your account–just tell a teller at the bank that there is an unauthorized withdrawal from your account, that the creditor claims to have a judgment, but that you have never been notified of it. It is rare, but it does occasionally happen, that a creditor will lie about having a legal lien. If the bank won’t help you with this, you can stop future garnishments, at least for awhile, by getting a new bank account, preferably at a new bank.

You can avoid people finding out your bank account numbers by not using checks to pay bills. The creditor uses the information from your checks to obtain the lien. Use money orders or travelers checks to pay bills instead.

If you get a new account, and it is later garnished, you may have to stop keeping your money in the bank, as unpleasant as that would be.

I helped a friend with a similar problem recently. Be sure not to give out your banking information to anybody. Best wishes getting this straightened out.

Credit Card Debt Information : Can a Credit Card Company Seize a Checking Account?

Sage Peachtree Complete Accounting 2011 [OLD VERSION] $19.99 Sage Peachtree Complete Accounting 2011 helps you work more easily and efficiently with robust core accounting and added features like job costing, time and billing, in-depth inventory capabilities, and analysis tools. Its multi-user option* helps improve productivity while providing screen-level security and a clear audit trail. Save time with simplified dashboards, management centers, integratio…

iBank 4 $47.00 iBank 4 from iGG Software is the leading personal finance software for OS X. Easy powerful and full-featured iBank lets you import data from MS Money or Quicken for PC and Mac download transactions from online banks export to TurboTax print custom checks actively manage your portfolio or simply view balances and worth at a glance. iBank’s beautiful Mac interface is simple and familiar so you can s…

TurboTax Home & Business Federal + State + Federal efile 2009 $42.89 TURBOTAX HOME & BUSINESS WITH…