Checking Account Garnishment

Yes they can do it!

Did you receive the summons for this judgment? Did you respond? Show up in court?

Go to the clerk of the court that issued the judgment, and get a full copy of the judgement and the preliminary court papers. See what the terms of the judgment specify.From the court proceedings, you should also check how service of notice was made upon you, and if it was sufficientproper. You must dig into the legal issues. I recommend hiring an attorney,

I did receive a notice to appear in court, but I didn't go. I am very aware that it was a stupid thing to do, but I didn't take it very seriously. (they've obviously gotten my attention now!)
I've been doing some research - was I supposed to receive a Notice of Garnishment before the garnishment happened? Can they garnish my husband's checking account even though the defaulted cc is only under my name? My husband's name does not appear on any of the court documents I have received. I do plan on contacting an attorney this week, but some knowlegde about how this all works would be great before I talk with them. Thanks so much!

They send as letter of exemption...for funds in your account that might be exempt such as social security,...wages once in a bank account are NOT exempt.

If your name is not on your husbands bank account, then they cannot touch it.

Thanks to you all for your quick response and your help!
Can I assume that the maximum amount that can be garnished (on a sliding scale with your annual salary) applies to account garnishments, or is that only for wage garnishment? I did not receive a notice that I would be garnished - was that illegal on their part?

You should have received some notice regarding garnishments. Unless the creditors inform you, they may not garnish your wages. As per the state laws, there is a particular amount which can be garnished from your account or your wages.

A debtor may get a letter from the creditor inquiring about exempt funds...but they are not informed of the garnishment....garnishment is a remedy of a judgement and the debtor should be aware it will happen. So sherlyn you are wrong.

State laws do regulate how much you can be garnished.