Does anyone know anything about judgements?

What state are you in? Laws vary from state to state, but in most cases, they will keep pulling from your account until they get the full amount of the judgement.

Change banks.

Changing banks wont necessarily help. Orders for bank levy are sent out to several banks until they get a hit...wont take long for them to find the account again,.

One option is a prepaid debit card, like thru walmart.

I'm wondering if someone could answer my question about how long a collection agency can use a judgement against a person? (This is highly variable state to state.)

For example, if they hit my bank account once, can they continue to hit my bank account as long as they have a judgement against me? Again this varies even by county. (Often they put a levy for an amount of the judgment which might be greater than your actual balance so any funds you deposit in there are given to the judgment creditor. )

Or do they have to keep going back to court to get permission to hit my bank account? Some places yes some places no. Or do they just try other means, like garnishment,( Yes in most states garnishment is allowed)property lien,(yes in almost all areas this is a possibility. Become conversant with your states exemption laws so you know what you can protect) etc? Any advice or ideas of what you think might happen even, (A lot could happen. On the other hand most judgments sit uncollected for their lifespan. It is highly dependent on who the judgment creditor is, what kind of assetts you have, what your civil judicial system is like in your county what the amount is etc etc.)

Soaps advice on getting a prepaid card is one example of a way you can protect your assets. My adice would be to look up a local consumer attny in your area and get a (usually free) consultation. I would NOT use a general purpose attny now one that specializes in bankruptcy to give you advice. I tried that early on and got what I now know was completely incorrect advice concerning these areas. You can go to the national assoc of consumer attorneys website and find one in your area or just look for one in your yellow pages.

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http://www.thelaw.com/guide/litigation/small-claims/judgment-collection-small-claims-court/

This site has extremely detailed info about all the steps that can be taken in garnishment, the steps in getting a judgment

explore on the sitemap as this site as a lot of insider info to offer on garnishment and judgments among others

I highly recommend it.

It does also discuss what happens with your bank, what they can and can't do.... explore, lots of levels of info

http://www.thelaw.com/guide/litigation/small-claims/judgment-collection-small-claims-court/#wage-garnishment-and-bank-accounts

This one has really good info about banks and judgments and it is pretty scary how far some of these go as to seizing property. It's a pretty brutal look at the whole debt collection/judgment/garnishment process.

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The SOL on Colorado judgements is 20 years at an 8% interest rate...you might wanna just look at resolving it instead of hiding your funds for a couple of decades.

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Finding your bank account for a bank levy has nothing to do with 1099's or tax info....when creditor wants to find you, they simply send out papers to ALL banks and credit unions in your area, plus the major players in your state.....eventually they get a hit.

There may be legal implications with depositing personal funds in to LLC business account....personal and business funds should not be comingled.

I do not KNOW why they have not found my account, I speculated that perhaps the difference was the 1099 issue.
As to sending out flyers or anything else here or there asking all the banks about a particular individual, I suspect and hope, since last i looked this was still America however much our rights have eroded, that the privacy statement I got from my bank was given to me in good faith.. I think there are lots of people with checkered history and activity who wouldn't have the bank accounts they do if any tom dick or harry can send out "feelers" and get answers. This isn't supposed to be a gulag.

I do not know why you are so persistently confrontational about this issue as you are. The facts speak for themselves.

You say they could find me if they wanted me. They have tried. They sent garnishment orders to two of my previous financial institutions. One credit union and one bank and since i don't bank there they came up empty handed.

Then you suggest they just aren't motivated to "get" me. Here again I must disagree. The same law firm wanted me bad enough that one of their attorneys perjured themselves, committed fraud upon the court, deprived me of my constitutional due process rights and who is now, if I am successful, going to lose her law license she only got 2 years ago. And I'll tell you what, on this, I'm going to be like a dog with a bone, I'm not going to give up on this because what that attorney and that judge did (and they did do it, I am neither senile nor blind/deaf) was a very stupid but vicious act that I find offensive. It's offensive enough that I am willing to do whatever it takes, however long it takes, to hold them accountable for their crimes. If nothing formal happens to the judge (statistics show few of them are ever held fully accountable) informally his name is going to be tarnished at the very least. And there are other viable and legal remedies that I can and will pursue if necessary.

I really do resent your continued challenges of my credibility. There are privacy laws and last I heard they are available to even lowlifes like me. The fact remains they obviously want me very bad yet your contention is they just haven't tried that hard.

Give me a break. If you have worked in the banking industry and know that they are all eager to betray us then say so. Otherwise quit challenging everything I say unless you have proof. You seem to have taken a personal interest in discrediting me and I have to wonder why it is so important to you. Are you friends with Judge Richard T. Standridge, the lying snake who wears a judges robe? I have to wonder your motivation.

I can think of a couple methods that will protect you from bank levy but may expose you in other ways.

• You should try to settle the debt and or make payment arrangements because judgments stick around for 15-20 years typically depending on the state.
  
• You could operate on a cash only basis and pay for bills with Cashiers Checks or Money Orders. This will cost you a little extra because you have to purchase those items and you have to snail mail them. Also, you may not want loose cash setting around the house.
  
• You could operate on a cash only basis and get your friend to pay via check, debit or credit card and you pay them back.
  
• You could get a prepaid credit card which I think would be difficult for a collector to find. The downside is fees are generally attached to these things.
  
• You could obtain a business license and operate your entire life through the business. It is really easy and very cheep to get a business license but I think this tactic is a bit shady. You have to file separate tax documents with the IRS. Your name is still attached to the records; therefore, any account may be detectable. A judge may be a little agitated if they figured out you did this to avoid a judgment. You would also need to study the IRS rules and regs to make sure you don???t break any of them.
  
• You could solely operate in your friends name but you would really need to trust your friend. They would have complete control of your money and could lock you out. Also, your money would be subject to any levies, judgments, liens, penalties, taxes??? they may have.
  
• If all else fails you could move to Switzerland??? >:P