Judgment in 1 state, but work/bank in another

Which state do you bank/work in and which state do you live in??

Work and bank in Maryland, but live in Pennsylvania. Judgement granted by court of commom pleas in Penn.

You live in a non garnishment state so your wages cannot be garnished. However your bank account is subject to levy so you will want to protect your wages by having a paper check cut or having it deposited to prepaid debit card.

They cannot take your house...they can however place a lein on it.
Call and ask about the negotiations...

Right, set up an Amex Serve (not amex prepaid, the serve) it is basically a bank account on a debit card and it has a lot of extra features compared to a run of the mill prepaid card.

Even though my bank is in a different state. Would they have to transfer the judgement to the other state first? I have been working with a debt settlement company for the last 2 years. I had 7 accounts with them at the start (this being one of them). They have been very heplful and have settled 6 of the 7. This was the last one and the largest. I had a judgement issued in August for $13,000. When I check in with my settlement company to see if they have contacted them, they have told me I do not have enough in my trust account to get them to settle it and I need to build up more funds so that there is a larger initial payment to offer (and then monthly payments). I am just afraid that if I wait too long, they are going to end up trying to go after my bank accout etc. I currently have like $2,100 in my trust account. Should I get that money (which they will return to me), end my relationship with the settlement company, and try to work with the law firm directly on the payments or should I have the settlement company try to talk to them?:confused:

As a general rule, debt settlement companys do not get involved with judgment accounts. You really want to be taking care of this yourself.,

So would you recommend that I call the law firm and ask them if they are willing to work with me on payment arrangements. Should I even bother asking if there is any way we can negotiate the amount? Or should I just wait and see what happens? Do they have to transfer the judgement to MD to get money from my bank account? Would I receive some sort of notification before it happened, or could they just do it?

Like soaplady and I have both said, don't take that risk. Get your money out of this settlement firm, and leave your bank account open but stop direct deposit to it. Get your DD to a prepaid debit card.

If I contact the law firm and make payment arrangements with them, do I still have to worry about them going after my bank account? And should those payments made (if they were to accept) be by prepaid debit card or money order? I gather that it would not be wise to make the payments from my bank account, but might they insist on/require this?

They can go after it whenever they want. And they can find your bank account. You're not going to be hiding it by paying them with money orders. If they want to levy it they can and will. Which is again why we have suggested numerous times you set up a prepaid card.

Would I then make payments to them (if I can make arrangements) with that prepaid card (I believe AmEx Serve was recommended)? I don't want to call them to try to make payment arrangements until I have what is necessary set up.

Just wanted to let you know that I spoke with American Express and with Serve, you can not do direct deposit. You must load from a checking account, debit card, credit card, or buy a GreenDot moneypak card (which you can load with up to $500) and use that to fund your Serve account. She said they hope to have direct deposit in 3-6 months. You have to purchase the Green Dot MoneyPak and there is a $5 reload fee. For more than $500, you must purchase another card. I did get something in the mail recently from Billx Prepaid Mastercard, which does have direct deposit, but seems to have a lot of fees involved. Any other suggestions?

I'm sorry I meant the Amex Prepaid, not the serve. The prepaid can be set for direct deposit. Here is the link below:

https://www.americanexpress.com/us/content/prepaid/american-express-prepaid-card/home.html

Thank you. It seems like all of these prepaid cards require your SS#. Can't they find out about them and go after those too?

Soaplady will check me on this when she is online next but I am 99% sure a prepaid debit card cannot be levied. They need your SSN due to the patriot act. I believe the only person who can find and levy a prepaid debit card account would be the IRS or Homeland Security.