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Posted: Tue Jan 09, 2007 5:30 pm

I wanted to know if they can take money out of your account for a judgement in the state of Texas. I have no judgements at this time but may need this info at a later time.I talked to a bankruptcy attorney and he told me they could not garnish wages in Texas but did not say anything about them taking money out of my account.Also,if they could, would they be allowed to take out social security money? I would really appreciate your input.

Posted: Tue Jan 09, 2007 5:32 pm

Hi!

First of all, no one will touch your SS, unless it's a wicked federal debt, like a lot of back taxes.

Second, since Texas is a non-garn state, frequently the way creditors collect on judgements is by levvying accounts. My advice to you is to contact any past due accounts you might have and attempt to make arrangements. You don't want a judgement on your credit report!

Posted: Wed Jan 10, 2007 12:01 pm

Creditors can renew the judgments until it is paid. They will win the case in the court if you are fully liable to pay your debts. And the judge might ask you to give them access to your bank account, unless you are able to work out other arrangements with them.

Take the advice of fins. Try to work out something with your creditor now before your credit gets hurt by a judgment.

Posted: Wed Jan 10, 2007 12:04 pm

Fins, remember, there were some posts saying SS and disability checks can also be put in the garnishment because laws changes in few states. I will search for the topic

Posted: Wed Jan 10, 2007 12:36 pm

You're right cats, SS and unemployment can be touched now, but not for a consumer debt..I guess I'm assuming this is a consumer debt..But maybe it isn't!!

santone · Posted: Wed Mar 14, 2007 4:12 pm

I just found out that my xhusband took out a loan for the $18000 20days before our divorce was final, and put my name as the co-signer. They called my cell phone yesterday and said there was going to be a judgement if i didn't call in 24 hours. i am a single mom, and cannot afford to pay 18,000 or lawyer fees. Any suggestions?

Posted: Wed Mar 14, 2007 4:15 pm

Fins is right, the only things that can be garnished from disability checks are federal student loans, back child support, and other federal debt. I know that applies to SSDI, however, not sure if it applies to SSI, they are different things.

Posted: Wed Mar 14, 2007 4:16 pm

Call you divorce atty.. this is not legal at least in CAL I know because mine tried the same thing.. Once you are seperated he cant do anything i.e. take you off insurance or buy property in a joint loan unless YOU sign.. Call and take him back to court prove that you were not living together and that you did not sign anything

Posted: Wed Mar 14, 2007 6:05 pm

A judgement does not necessarily mean garnishment. In the state of Texas, since garnishments are illegal except for fed debts, more than likely your bank accounts would be levvied if you couldn't reach a payment plan.

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Can a bank account be levied in the state of Texas?

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