Bank account garnishment - I have a judgement that was six and a half years old, default, at the time I did not know any better and there you go. Anyway, I was served again regarding this same judgement, and spoke with an attorney, and he told me (incorrectly) that since the seven years were almost up, that this attorney was just renewing the judgement. Three weeks later, my bank account has been garnished. My question is, I do not work regularly outside the home, I do not receive a formal paycheck from anyone. (I do some contract work, nothing regular) I am in Georgia, so I know that what is my husbands, is mine in the eyes of anyone who wants our money. The garnishment was filed in a county other than the one in which the judgement was obtained. I am going to call the attorney and offer to make payments on the remaining balance. If they don't make an arrangement with me, I am going to close my checking account and drop off the radar. My husband can have his own account, and if they want to come get my couch and my microwave, they can do so. Do I have any other options? Isn't so much of my money exempt? I know in some states, so much of the $$ in the bank is exempt. However, they cleaned me out, so I am now looking at fees. I have about two weeks before my husband's paycheck is direct deposited in the bank. What can I do? If I haven't provided enough info, just ask. What it boils down to is, once they have frozen my funds, do I have a way to get them back?
Your best bet here is to try and work out a repayment plan; though they may not accept due tp your previous default. You may offer to have the $ deposited into an escrow account ( a seperate account solely for these transactions). I do not believe they can garnish your husband's pay, the best bet is for him to open an account solely in his name. You won't be able to write checks but the money will be safer. Your attorney was correct, they are renewing the judgement, so as to keep the statute of limitations alive. I feel for you, but your best bet is to try and pay this off. Otherwise it will just keep haunting you. Good Luck........
Hubby needs to give his employer warning now not to direct deposit that check. I don't know if they can grab it in your particular state - but to be safe I wouldn't put it into ANY account with your name on it. He needs to ask his employer to cut a "live" check, and open an account at ANOTHER bank.
