My supervisor just called me in to show me an information subpoena that was mailed to the firm in regards to a judgment that was filed against me in 2002. I had no idea about this judgment because if I did I would have ran so fast to the courthouse to have it vacated. I was so embarrassed when she called me in. The attorneys for the collector want all of my information : wages, bank account info, address, etc. How long does the process take to have my bank account frozen. My employer has seven days to answer to those demands. I called the debtors' attorneys and he told me that my sister was served back in 2002. They pulled a copy of my Experian report and got my employer's name. Can they seize my car although it's still being financed by a bank? Also, how long does the whole process of getting my bank account frozen takes? I want to know if I have enough time to file the Order to Show cause. It takes about a month to have the judgment vacated. Do I have enough time? I live in NYC. Any advice will be appreciated. Thanks.
If your car is financed, the bank should have a lien on it to secure their loan and protect their interest. Your registration would show this. Although I suppose they could try to go after any equity you have in it, I don't know how they would collect if they couldn't sell it due to the bank's lien without paying off the loan. Was your sister in fact served, and was service at the address you were even living at the time?
I wasn't living there at the time but that was the address that they had on file. The attorney told me that they have my sister's signature and she was served. Also, does anyone know why the Discover Card would now be Midfirst bank? I was not aware that Discover Card had merged with them.
Have you checked the courthouse records to make sure there absolutely is a judgement that was oredered against you?Remember CAs lie about having done things in oder to collect. So make sure all the paper work they sent you is legit and not just another scare tactic. Also have you learned about making yourself judgement proof.? If not do it. There should be a form you are required to fill out where you would put down your bank account #s etc.. (Its a Declaration form i believe.) Anyway once you fill it out and date it. You can go down the next day and close out your exsisting account.Just open up a new account at another bank.preferably in another city or state..Or Open a Paypal account online and transfer all your funds into it..You can get a debit card from them to use just like you from a local bank.. As far a your car. If the bank has the loan I dought any Ca can get it.. Good luck.
