unfair

In order to garnish your savings account, the creditor has to file a lawsuit against you and get a judgment. Unless he gets a judgment, it won't be legal for him to garnish your savings account. If your creditor has done so, have a word with an attorney and check out what legal steps you can take against them.

Hi!
Welcome to the forums!
Contact a lawyer as soon as possible. A good and experienced lawyer can help you get out of this problem. Anna is right. They can't garnish your paycheck or account without securing a judgment order against you from the court. Are you really sure that they haven't secured a judgment order against you? Have you received any court papers regarding this? If you were not served summons or didn't receive any kind of court notice or your creditors didn't obtain a judgment order, then you should file a case against them.

If you read the first post, the OP does not have a judgment against her, her MOTHER does. The mother was sued, not the OP and with any joint account, all the money was fair game.

Have looked up the court case online at your local courthouse? Was your mother served a summons? Did she respond? you do not need an attorney for this. If your mother was not served, you would petion the court to set aside the judgment based on improper service. If your mom did get served and she simply did not respond or show up in court, you are going to be out of luck on your money. Keep in mind that judgement can last up to 20 years depending on what state you live in.

Yes, the judgment was against the mother of the OP. I thought the debt would be past SOL if it's gone beyond 20 years (or the period till which the judgment lasts), and then it can't be pursued anymore. Am I right?

When was the judgment taken out? What state do you live in?