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Banking after a garnishment/levy

Date: Tue, 07/02/2013 - 13:10
Submitted by on Tue, 07/02/2013 - 13:10
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I had a garnishment put on my account. Since then I have been getting around it either by endorsing my checks to someone else to cash, or check cashing services.

2 weeks ago the bank said they wouldn't let me endorse the check anymore, and I had to come in and create an account. This is the same bank that had the garnishment.

It's also the same bank that the checks were written from... so I don't think I can get them cashed directly.

I was thinking of opening a new account at a different bank. How long does it usually take for the garnishment/levy to find my new account(s)? Do they have to actively search for it.. or does it just pop up in their system basically saying that I have a new account?

I just don't want to open a new account and have it garnished on the spot and lose my deposit. I'm living paycheck to paycheck right now trying to get back on my feet so I can pay these people off.

The garnishment happened... I want to say about 1.5-2 years ago. Definitely over a year.


When a levy order is granted, copies of the levy are sent to all banks/credit unions in your state. There is a good chance they already have the levy on file.
Cash your check at walmart and put it on a prepaid debit card.
Have they not found your employment to garnish your wages yet?? There is a possiblity you could be call into court to disclose your wages.


Submitted by SOAPLADY on Tue, 07/02/2013 - 13:47

SOAPLADY

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I was never called to court to disclose my wages.. as far as I know.

I'm no longer employed at that place any longer though. I was for about a year though, and they never garnished the wages. I'm doing side work now and I get paid by personal checks, so I can't use Walmart for those, which is why I needed the bank account.

I went and opened the account (I had to before you responded! tried waiting though...). I got half of the money cashed and they put a 5 day hold on the remaining amount. I was hoping I could just pull the money out before they found the account.

I was hoping it was just a garnishment on that bank account and they would have to re-file to find my new bank account.


Submitted by on Tue, 07/02/2013 - 15:39

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I was never called to court to disclose my wages.. as far as I know.

I'm no longer employed at that place any longer though. I was for about a year though, and they never garnished the wages. I'm doing side work now and I get paid by personal checks, so I can't use Walmart for those, which is why I needed the bank account.

I went and opened the account (I had to before you responded! tried waiting though...). I got half of the money cashed and they put a 5 day hold on the remaining amount. I was hoping I could just pull the money out before they found the account.

I was hoping it was just a garnishment on that bank account and they would have to re-file to find my new bank account.


Submitted by on Tue, 07/02/2013 - 15:40

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After reading about this online a little bit more... i found that if your account has been levied that if you try to open a new account at another bank you will be refused.

Mine opened up without any problems... so where exactly do I stand?

I planned to leave like $20 in the account and monitor it to see if it gets frozen, and then just strictly cash the personal checks.


Submitted by on Tue, 07/02/2013 - 15:49

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