If you live in a state that doesn't allow garnishment of wages or a CA to seize your bank accounts, if you have accounts with banks outside of your home state, are those accounts governed by THAT state's laws, or by your home state law?
As far as I know all states allow some kind of theft such as garnishing wages OR bank levies. Texas and some other states do not allow wage garnishments, but employers can give out your banking information if they automatically deposit your paycheck, and if your bank is in a state next to Texas, they can easily issue a bank levy in that bank.
I live in Texas. I'm not worried about my banks here. I have read in some of these posts where CC and CA's have seized bank accounts WITHOUT first filing suit, or so it sounds like in some of the posts I have read. In Texas, you couldn't do that. I got to wondering about what governed money that was in 'national' banks....like E-Trade Bank, GMAC Bank, State Farm Bank....etc. If you are a depositor in one of these type banks do your state laws govern your account or the laws of the state that the national bank resides in?
Some states allow accounts to be frozen before the issuance of a judgment. You need to know your state laws. Also the laws of the states where you may bank. And it may also depend whether it's a national or a local bank.
