Judgments SC? Can they garnish bank accounts? Non-bankruptcy exemption

Yes, the creditor can garnish your bank account in SC and so you should inform the bank that the money that gets credited in your bank account is your wage, so that they do not allow garnishment of the money.

They would basically fill out a form requesting the judge to allow a lien or an attachment of property. It is called a Writ of Execution. SOL for judgments is 10 years in SC so you may want to take care of this one.

So, wages that hit bank account are not subject to garnishment at all in SC? My only income is my wage and I have to live on it.

Also, re. attachment of property? My car is paid and worth about 14k right now. Are there exemptions in SC to cover this - we do not have a home. Do these exemptions follow the same as bankruptcy and is there anything we do to file these exemptions?

Thanks again!

http://www.scstatehouse.gov/CODE/t15c041.htm

See Sec 15-41-30 for exemptions

Thanks for the link:
I am guessing that we are covered to a certain extend. I am assuming wages deposited(as per your link) are exempt in bank accounts, right?

Right. Your car may be a problem though

I could transfer the title to my Mom? But, that would be fraud, wouldn't it? BTW, I do not have a judgement yet - just preparing in case it happens. I am just starting down this road and have only been late by a few days now.

Thanks again for your help!

They would see that as you concealing assets. Not a good thing to do.

Thanks! Do you also happen to know if DMP's go over 5 years? That might be an option for us but I need more like 6-7 years at good interest rate to make ends meet.