income tax is coming, creditors/pdls will take'em?!!!

that is very far fetched! The IRS will not just turn money over to a creditor on their say so. There would have to be a federal court order to do so. It would be more likely for it to be seized whan it reached the bank with a lien from a judgement

A PDL or collection agency can not just seize your refund.

Here is an article about who can take your refund.

From WikiAnswers..."With a judgment lien can a tax refund and bank accounts be garnished?"

"If the judgment is for state or federal taxes then any refund is subject to seizure by the agency holding the judgment.

If it is a creditor judgment, a tax refund would only be subject to attachment if it were placed in a bank account that was being levied by the judgment creditor."

The IRS would have told the creditor or PDLs to pound salt and to take him to civil court.

It does raise the issue of direct deposit of your refund. If you do the electronic filing and have it deposited to your normal bank account then it is subject to the PDLs getting it if you have not secured your account.

Some may want to elect to get a paper check or open a new account and have it deposited there instead.

Explained well above

I also received a call from Lawal and Associates telling me that they can garnish my irs refund. I just hung up on them and laughed! :lol:

these bottomfeeders are something else...literally.

the place where i got my home loan which i am behind on took my federal refund and i tried to be smart and change banks and i efiled all that i was surpposed to get my refund on the 15th and never did turns out the loan company did so u people who think it cant be done are all so very wrong.

If the loan company took your check they must have gotten a judgement on your bank account at some point.

The only way they can take your check straight out before you get it is the federal government for past due taxes, for student loans or for back child support.

That was after it was deposited. That was a lien on your bank account.

nobody knew my bank account its through my union and i got direct deposit the irs sent it to the loan company instead of me with no judgment aginst me

By law they have to send something to your bank, AND all they have to do is look through check systems or something to that nature to search your bank account, they can place a judgement on your checking and you not be served. I got served AFTER they put a freeze on my account, as long as the bank gets their notice, it doesnt matter if you do or not. I never paid that bill with a check from my account or had anything debited as well, its easy to search for your bank info...just like they can look up your work info. Its the program that costs a whooping $19.95 a month unlimited and you can trace where anyone is as long as you have the social security number of the person your looking for. Also known as "skip trace". Some people are smart, they know its tax time and serve your bank with papers around the time they know your gonna file...happens to the best of us.