Question about Default Judegment
Date: Thu, 05/19/2011 - 06:12
Submitted by Kenneth Barhight
on
Thu, 05/19/2011 - 06:12
Total Replies: 6
I had an account I was sued for. Due to some strange circumstances which I wont discuss here, I wasn't able to defend in court. This had a default judgement passed against me for the full amount owed.
In Pennsylvania a collector cannot garnish my wages. I don't own any property. The most they can do is levy my bank account. I have a new account which I have never used to pay the original company so they don't have any record of where I do my banking on file. How easy is it for them to find who I bank with?
Also, I was debating on having my employer do my pay by a pre-paid debit card instead of direct deposit into a bank account. Can a collector levy a pre-paid card or just a bank account?
I would like to settle the account, but I know they wont talk settlement until at least 6 months of inactivity after the judgement.
Can anyone comment on this and provide assistance?
Thanks for the help.
Finding your bank account is easy. They simply send copies of t
Finding your bank account is easy. They simply send copies of the court order to all the banks in your area until they get a hit.
Ok, settles that. Not going to keep anything in my bank account
Ok, settles that. Not going to keep anything in my bank account. And what about using a pre-paid debit card for pay? Can they garnish that?
Based on a quick call to an attorney friend (VA) they can not le
Based on a quick call to an attorney friend (VA) they can not levy against a card.
You'll need to close the account. They'll levy any open account
You'll need to close the account. They'll levy any open account even at a zero balance. They levy for double the amount due usually so, that will put you negative and cause your account to be closed, ChexSystems, etc.
I don't think they can levy a card. Can't see how they could find it.
My bank doesn't allow for negative balances tho. They NSF all t
My bank doesn't allow for negative balances tho. They NSF all transactions that will bring my account into the negative. Can they still levy the account in that case?
Besides that, will the firm handling the collections arrange for payments to be made on the judgement before they try to levy any of my accounts?
Re-read my post. Where court orders are concerned, banks will u
Re-read my post. Where court orders are concerned, banks will usually process the levy (which is double what you allegedly owe). You may get a call to set up payment arrangements but, not necessarily.