I just received a notice from equifax that a judgment has been filed on 8/2/09 by American Express of Ft. Lauderdale. I have a cc acct with them that has not been paid in almost a year for $6000. I have not heard a word from them in months. I have been planning to file bankruptcy in the next month or so due to a a failed business. I checked my county court records and found nothing. I also checked ft lauderdale court records and nothing as well. I received no notification of this whatsoever. My biggest fear is that they will get to my bank accts. I am in TX and have read that, due to our laws, bank accts can be seized prior to a case being filed against me in local court. I paid them previously thru 2 accts: 1 I don't care about as I have nothing in there anyway but the other was a biz acct and has all the money to my name to pay bills for the next month. Can they garnish a corp acct that is in a corp name? Any suggestions? should I try to contact them and tell them I am declaring bankruptcy? Why was I not notified? I have no way of knowing where this case was actually filed. Closing my biz acct is an option but very difficult as so many things are tied to it.
