Expert: Creditwrench - 6/12/2008

Question
QUESTION: A judgment has been brought against me for an unsecured credit card in a district magistrate office. I wanted to know if it goes any further, can they freeze my bank account? I am on SSI and SSD directly deposited. I live in PA. Thanks

ANSWER: Yes, they can freeze your bank account even though they aren't supposed to be able to do so. If they do that you would have to go to court to get it unfrozen and you would be broke until you got the job done. Best you start fighting now before it goes that far.

Bill Bauer
405-684-9297
405-227-9423

RECOMMENDED READING:
www.creditwrench.com/howjudgmentswork.html
www.creditwrench.com/18questions.html
www.creditwrench.com/Howtodefeatdebtcollectors

The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.

Dial-in Number: (712) 432-1601
Access code: 508548#

You might also want to visit our message forum at http://consumers.creditwrench.com to get answers to questions you need answered before next Friday night.

If you live within driving distance of Oklahoma City you can also come to our monthly meeting of the Oklahoma City Chapter of Jurisdictionary meetings. They are held on the 2nd Thursday of each month at Coit's Root Beer Stand which is located on the corner of SW 24th & Western Ave in Oklahoma City. The meetings start promptly at 7:00 P.M. and last for 2 hours. Attendees usually arrive about half an hour early so they can enjoy a good meal at Coit's Root Beer Stand. The meetings are free and open to the public and we can discuss your problems as well if you like.

We are going to start holding mock trials so that you can learn some court room procedures.
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---------- FOLLOW-UP ----------

QUESTION: Will they notify me in advance if they try to freeze my bank account? Thanks so much for all your help yo have been great

Answer
Probably not. I've never heard of a case yet where they notified the people first. They just do it and let you find out the hard way. The only way most people ever find out is when their checks start bouncing and then they are in a big mess. They have to pay the bank a hundred or two for the garnishment order and then they have a bunch of bounced check charges to pay off plus pay off the checks that bounced too. Puts them in a heck of a shape. Best thing to do is to take all the money out
of the bank or just close the account completely and don't open up any others they can find.

There are several ways to pay your bills. You can use a pre loaded debit card or maybe open a bank account in some other state. Whatever.

You might want to think about seeing if you can vacate the judgment or find a reason to sue them in federal court.

Bill Bauer
405-684-9297
405-227-9423

RECOMMENDED READING:
www.creditwrench.com/howjudgmentswork.html
www.creditwrench.com/18questions.html
www.creditwrench.com/Howtodefeatdebtcollectors

The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.

Dial-in Number: (712) 432-1601
Access code: 508548#

You might also want to visit our message forum at http://consumers.creditwrench.com to get answers to questions you need answered before next Friday night.

If you live within driving distance of Oklahoma City you can also come to our monthly meeting of the Oklahoma City Chapter of Jurisdictionary meetings. They are held on the 2nd Thursday of each month at Coit's Root Beer Stand which is located on the corner of SW 24th & Western Ave in Oklahoma City. The meetings start promptly at 7:00 P.M. and last for 2 hours. Attendees usually arrive about half an hour early so they can enjoy a good meal at Coit's Root Beer Stand. The meetings are free and open to the public and we can discuss your problems as well if you like.

We are going to start holding mock trials so that you can learn some court room procedures.
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