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1- Levy on bank account, 2- Income execution

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FromNY

Junior Member
What is the name of your state? NY

I have 4 of them running after me.

A law firm (at least they say so) called Mel S. Harris & Associates located at 116 John Street, New York, NY 10038 has put a levy on my bank accounts. Excuse me but the SOB's did not send me anything, even my check to my doctor bounced. When I realized it, I contazacted my bank to see what was going on, they told me such and such has done this based on a court order may be and here is their phone number. I called the 800 number and of course it is a debt collector. They asked me for my SS Number, without me knowing who they are. So I asked the person to tell me who they are first and what is the reason for all this, then I will give them the number. He gave me his name, and he said this is a law firm, I said well anybody can say this is a law firm and there are tens of 1000's of them in New York City. So, I gave him the last 4 digits anyway, he said "Give the 4 numbers to a bank!" and hung up the phone.
Later my bank sent me a copy of what Mel Harris has send to them, which is an Informaiton Subpoena with a questionnaire with restraining notive. There is also an index number, but when I looked at NY County's Small courts, I could not find anything under the index number, my name, or the Mel Harris name (is that possible?). The paper sais: LR Credit, LLC (that I have never heard of) assignee of Chase Manhattan (that I know) plaintiff against me for $2004.74 etc, and my accounts show negative twice this amount, apparently it is based on New York laws.

I wrote them a letter requesting information, to which they wrote me a letter without information asking me to call tehm. I called left and a message, someone called and left a message. etc. After I read your posts, I wrote them a letter requesting them to release my account and explain to me who they are etc. as well as C and D (even if it may be late), and sent it CRRR today.
What else can I do? I have no intention of talking to these people, I do not want to play with my health. How can I release my account, and pay the original creditor rather than these people?

2- Another debt, a Sheriff has sent a garnishment of wages based on an action of those (I don't say anything) Cohen and Slamowitz for another debt with Discover. I wanted to pay little by little, but now they have contacted the university where I teach, and they are reducing my salary (too bad for them this is only a small portion, in other universtities I teach I earn some more than this), but it is not fair. I looked for inofrmation again, none of their lawsuites is against me (on NY County's court information). Is there a way to do something about this?

Thanks and sorry for the long letter
FromNY
 


Ladynred

Senior Member
The only way they can get levies and wage garnishments is if they have a judgment against you. You need to CALL the courts and get copies of the case files on these judgments as well as the proof of service affidavits to see when, where, how, and by whom you were supposedly served. Are you sure they sued in small claims court ???

You're not going to be able to deal with the original creditor at this point, you have to deal with the lawyers they hired to sue you and to collect. You're not going to get your bank account unfrozen unless you make arrangements to pay the judgment thru the lawyers. You *might* be able to challenge the judgments, at least appeal them, but you need those case files first. Oh, and they are NOT required to notify you of a bank levy - you'd move the funds if they did !!

Fair ?? No, its not fair, but you didn't do anything about the debts or the lawsuits (now judgments) before now, so they are taking their legal paths to collect from you IN_voluntarily.

Start calling courts to find those judgments !
 

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