Refusal to Pay, Debt Collection Agency and Bank Account Information
I really need help fast and I don't know what to do; I'm hoping you can answer a question for me. I only have one more day left to make this decision and I'm running in circles trying to get it resolved. For the moment I need to know if a "Law Firm Engaged in Debt collection" can demand my checking account number, and if so, will the bank freeze my account? They were granted a judgement against me because again, I could not get an answer as to how I was to respond to that. I paid a debt relief company to help me but now that I really need them, I' can't reach them. I've been trying for almost two weeks, and just sit on hold, until I give up, sometimes more than hour. I live in Pennsylvania.
Can a debt collector demand my checking account number and freeze my bank account?
—Help in PA
The above debt collection question and below comments with additional responses are from an email exchange with a reader yesterday.
State law limits what amount of money can be levied or taken from your bank account in order to pay a judgment. State law further protects you from heavy wage garnishment, and from a debt collector seizing some of your personal stuff in order to satisfy a judgment.
Anyone with a related question can post it in the comment for feedback. Be specific with what you have going on. It helps when you include:
- The name of the credit or debt buyer involved.
- The name of the collection agency involved if different than above.
- The state you live in.
- If there is a judgment or an active court case.
- What your goals are for resolving the debt.
Including those details (use an anonymous screen name if you like), often helps me offer more detailed feedback to readers.
If you want to talk offline you can reach me at 800-939-8357, choose option 2.