Bank Account Wiped

[Vhass]

Howdy there, first time poster on this forum. I am you're typical twenty three year old grad student, from the state of Washington.

Recently I went to the bank to make a withdrawal from my savings account, only to find that It had went from thousands of dollars to zip, nadda zero overnight. I talked to the bank manager and he explained that a company had court approval to seize all of my funds.

Upon some research, I found this to be the reason(nomenclature is probably incorrect):
My late father died owing a very large amount of money in medical bills, some how this allowed the medical company to seize all of my mothers assets since she did not pay my fathers debt(because she does not have the means as she is elderly and doesnt work). My bank account was opened when I was a very wee lad 5 or 6 years old. When it was opened as per standard my mother had to co'sign or something. Some how this links my assets to hers? and allowed the medical company to possess them(totally bogus).

What can I do? As a poor average college student, I will not be able to live, nor continue school with out my money(which i earned). What in the heck can i do? Immediate replies welcome as dorm rent is due soon.

[Ladynred]

Your mother was liable for your father's medical debts because Washington is a community property state. However, your mother COULD have protected at least some of her assets by filing the exemptions from judgment available to her - and that includes the homestead exemption. The ONLY way they could seize anything was to sue your mother, and probably your father's estate, and they got a judgment. If your mother doesn't work, does she get Social Security ? If so, those funds are 100% exempt from seizure. If you mother didn't claim her exemptions, she needs a lawyer to stop them from taking anything they are not allowed to take.

You MAY be able to get the money taken from YOUR account back, provided you can prove that EVERY penny in it was put in there, by you, and no part of it was contributed by your mother. Because your mother's name is/was still on the account from your childhood, it was considered an asset of hers. If you had any student loan money in that account, it too is 100% EXEMPT from seizure.

You need to immediately file an appeal with the court and challenge the levy on the account. Call the court clerk and see if they have a form, some do, some don't. Have proof that all that money was yours, or as much as you can. And, get your mother's name off YOUR account now that you are an adult.

[JETX]

Originally Posted by Ladynred

If you had any student loan money in that account, it too is 100% EXEMPT from seizure.

Where did you get that??
Though some states do exempt student loan proceeds from judgment seizure... my source doesn't show that for Washington.