Freezing Bank Accounts

It depends upon the state laws on collections and the types of debts in question. The collectors don't need to go to the court if they are collecting for student loans or any other federal debts. What types of debts do you have?

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I may be mistaken, but I believe it was referenced as a "checking account garnishment".

This applies to credit card debt as well.

An Attorney can obtain a Court order and freeze your banking account until it is established in Court how much the debtor actually owes.


The bank account holder is not notified until after the bank account is frozen.

I haven't heard of this for credit cards, but I do know the govt., can freeze your accounts for taxes, etc..Karen

In certain states they can do a pretrial freeze if they believe they have enough evidence to win suit.

Find out what court issued garnishment and file a motion protesting it.

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Look in your state rules of civil procedure or hire a lawyer.

Thanks for the info. Cajun.

Attorney's in my area don't come cheap.

If I had the money to hire one, I would
avoid the additional time and hassle, and just pay my debt.
:D

Go to a local library and see if they have a set of law books. Read up on the civil procedure for filing lawsuit until trial phase has been completed. It won't cost you anything but time.