+ Reply to Thread
Results 1 to 6 of 6
  1. #1
    sierra15235 is offline Junior Member
    Join Date
    Nov 2008
    Posts
    2

    bank account frozen

    What is the name of your state (only U.S. law)? Pennsylvania

    My bank account has been frozen because of a debt collector and the only income I receive is child support. From what I have read child support is exempt from debt collection. I also was reading that there is a statute of limitations for collecting credit card debt and this time has passed as well. I also do not get over the $300 exemption per direct deposit. Can anyone tell me if all of this is correct and if so what exactly I need to do to get this taken off of my account? It is my only income and I have no access to it. Any help would be appreciated.
  2. #2
    Zigner is offline Senior Member
    Join Date
    Jan 2005
    Location
    California
    Posts
    54,353
    Quote Originally Posted by sierra15235 View Post
    What is the name of your state (only U.S. law)? Pennsylvania

    My bank account has been frozen because of a debt collector and the only income I receive is child support. From what I have read child support is exempt from debt collection. I also was reading that there is a statute of limitations for collecting credit card debt and this time has passed as well. I also do not get over the $300 exemption per direct deposit. Can anyone tell me if all of this is correct and if so what exactly I need to do to get this taken off of my account? It is my only income and I have no access to it. Any help would be appreciated.
    I'll let others speak to the source of the funds.
    I am only here to point out that your situation is NOT due to a credit card debt (directly). Rather, it is the result of a judgment against you.
  3. #3
    sierra15235 is offline Junior Member
    Join Date
    Nov 2008
    Posts
    2
    Yes there was a judgment against me in 2005 but the problem is they have frozen money that is exempt and I am trying to find out exactly what to do to get the hold off.
  4. #4
    Antigone* is offline Senior Member
    Join Date
    Dec 2007
    Location
    In honor of JetX ~ Somnambulist University
    Posts
    21,220
    Quote Originally Posted by sierra15235 View Post
    Yes there was a judgment against me in 2005 but the problem is they have frozen money that is exempt and I am trying to find out exactly what to do to get the hold off.
    The seniors will correct me if I'm wrong here but from what I understand only funds from Social Security are exempt from a bank levy or garnishment.
  5. #5
    CourtClerk is offline Senior Member
    Join Date
    Apr 2007
    Location
    Sitting at the computer probably rolling my eyes at your post
    Posts
    13,444
    Also, the statute of limitations no longer applies if they already have a judgment. However, you can file a claim of exemption and let the judge deal with the source of the funds in the account.

    On a side note, child support should NEVER be your only source of income.
  6. #6
    TigerD is offline Senior Member
    Join Date
    Jul 2005
    Location
    SEC East Champs again!
    Posts
    6,292
    And the problem here for your is whether or not you can prove that ALL of the money in the account came from exempt sources. If you cannot, none of it is exempt (for that reason).

    DC

Similar Threads

  1. Frozen bank account
    By ltarko in forum Debt Collections
    Replies: 1
    Last Post: 02-27-2007, 09:30 PM
  2. Frozen Bank Account
    By Fritz51 in forum Debt Collections
    Replies: 1
    Last Post: 02-19-2005, 05:21 PM
  3. Replies: 4
    Last Post: 03-12-2004, 11:02 PM
  4. frozen bank account
    By funkygourmet in forum Consumer Bankruptcy
    Replies: 0
    Last Post: 08-08-2002, 10:19 PM
  5. Frozen bank account
    By Antoinette in forum Starting and Operating a Business
    Replies: 3
    Last Post: 10-22-2000, 08:38 AM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

© 1995-2012 Advice Company, All Rights Reserved

FreeAdvice® has been providing millions of consumers with outstanding advice, free, since 1995. While not a substitute for personal advice from a licensed professional, it is available AS IS, subject to our Disclaimer and Terms & Conditions Of Use.