Help with Answer

Have you talked to your Original Creditor Discover Bank and inquire about the debt? Ask them whether the debt is still with them. If they have sold it or given to any collection agency for recovery, then get the name. If it coincides with the one that has summoned you, ie. Weltman, Weinburg, and Reis, then try to settle the debt outside court. Please do it before your answer date.

The debt is still with Discover and they hired WWR to try and collect and sue. I have tried to talk to both discover and WWR with no luck of settleing. I have no doubt that if and when this goes to court a judgment will be grtanted. If and when that happens, what can I expect? I know they cant garnish my wages but can they levy my bank account? Its joint with my wife but I am the only individual being sued.

Thanks

They cannot garnish wages from your pay check but they can take money from your bank account unless the money is income exempt, such as Social Security, Disability, unemployment and many others.

Can they still take money from the account even if its a joint account.

Depends on who's name is on top of the account. If your Husbands name is first then I think you might be able to get around it.

The way it works in your state is income that is not in possession of the employee cannot be garnished. Once it is in your bank account, they can attach it. How they can go about this I am not sure. I can't tell you to do this but if you do not have direct deposit you should take your name off the account. That is what I would do. Is it legal? I am not sure.