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 Posted: Thu Jan 04, 2007 12:01 pm Subject: Freeze bank accounts |
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Can a collection agency freeze a bank account (state of Florida) without prior notice? My girlfriend is concerned about some old credit card debts, even though they are past the statute of limitations.
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LouieLouieWoe
Joined: 04 Jan 2007
Posts: 1
Debtcc Points: 40
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| Posted: Thu Jan 04, 2007 12:03 pm Subject: |
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Welcome to the forums  Can a CA freeze bank account?? I don't think that a CA would have any decision in the account being frozen. Isn't all of that up to your bank?
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natdust20
Joined: 19 May 2006
Posts: 1344
Debtcc Points: 14935
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| Posted: Thu Jan 04, 2007 12:13 pm Subject: |
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I think the only way CA can freeze your account is if they have ajudgment against you. Then they can try to but from what my bank told me is that even if they do the bank will send notice prior to it.
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Guest
Guest
Debtcc Points: 100
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| Posted: Thu Jan 04, 2007 12:25 pm Subject: |
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LouieLouieWoe
Are you sure the debt is past the SOL?
In that case, collectors have no rights and force you to make a payment. They lose all legal powers after the statutes are past.
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PassionHunting
Joined: 30 Jun 2006
Posts: 514
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| Posted: Thu Jan 04, 2007 12:27 pm Subject: |
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Question regarding SOL...On my CR, I have a charged off acct. It says that the acct became delinquient on Oct. 2003, so doesn't that mean that is when the SOL started?? If so, wouldn't it be over in Oct. 2006??
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natdust20
Joined: 19 May 2006
Posts: 1344
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| Posted: Thu Jan 04, 2007 2:38 pm Subject: |
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Oct 2003 is the date when the account became delinquent. This date is used for calculating the 7 years reporting time. Did you make any payment after that? If not, the SOL will be calculated from that day onwards.
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PassionHunting
Joined: 30 Jun 2006
Posts: 514
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