Author Topic: creditor garnishing my bank accounts and took all my savings--legal question  (Read 1167 times)

[Buddie]

this is what i did and do.. i changed banks,and just forgot about my creditors i have a f it atitude towards them now, i get letters and i just diregard ,i see it like this how they gonna collect if i'm sick or god forbid dead...i'm not letting no creditor stress me,my credit is bad  but guess what even the people that are healthier in better shape don't pay,so i wouldn't stress it, this is just the way of the world its just that the poor suffer more ... take care and god bless, i also buy lottery tickets and sometimes i win  a good chunk, .
Suggestions, opinions and/or advice provided by the author of this post should not be regarded as medical advice; nor should it substitute for professional medical care. Consult your doctor before making any changes to your medication. Please read our Community Policy Documents board for further information.

[Buddie]

[...], I went through something like this a few years back. I had run up an astonishing amount of debt, thanks to having less self control from the benzo. Ended up doing a bankruptcy. I  used a lawyer and am glad I did.
I wont try to advise you. But wanted to say that all you can do is cut your losses and move on from this. You cant change what's happened, but dwelling upon it is pointless.
Instead, try to see this in a positive light.....The Universe IS trying to steer you in a new direction.
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Suggestions, opinions and/or advice provided by the author of this post should not be regarded as medical advice; nor should it substitute for professional medical care. Consult your doctor before making any changes to your medication. Please read our Community Policy Documents board for further information.

[Buddie]

I'm not an attorney but I have been through this myself and if the creditor is a point where they are able to get into your bank account they must have already obtained a judgement against you. The one exception to this I can think of that happened to me is if your savings account is at the same bank that you owe money to. If it was, say, Chase who you owe money to and your savings account is with Chase, you probably signed a paper when you opened your account that says that they have the right to automatically raid your account if you don't pay.

One thing you really need to keep in mind is that you need to pay close attention to legal papers that get sent to you. It's one thing to ignore a creditors phone calls and letters, but don't ignore court papers. You would think that the worst thing that could happen is that they take your money but the reality is that if you fail to comply with certain court orders when a creditor is trying to collect, it can get a lot more serious than that.

I don't mean to scare you but you really should talk to an attorney. There are usually lots of ways to work the system to your favor but you need to make sure that you are complying with things as far as the court goes. Bankruptcy would probably help eliminate a lot of your problems but you need to get professional advice and find out all of your options.
Suggestions, opinions and/or advice provided by the author of this post should not be regarded as medical advice; nor should it substitute for professional medical care. Consult your doctor before making any changes to your medication. Please read our Community Policy Documents board for further information.

[Buddie]

bankruptcy is going to have to be the only way out of this. i've igorned the phone calls and the letters that came directly to me door for far too long. this has been going on for about 8 years. i am the kind of person who always has every intention of trying to work things out and make some kind of deals with these people but it's too much for me now. i am still way too sick.

i don't forsee myself working in the near future unless some kind of miracle happens. they took my whole savings account today. so i called and spoke with them. i told them they could either put the very little money i had in my savings back and i would pay them a very small amount monthly from my disability check and he said he would talk to his supervisor and get back to me.

i said, "look, i almost dead right now and have been sick for a very long time. either you take this amount or what you took from my savings is all you will ever see from me"

i am really afraid that they will take the disability money that is in my checking but the letter said that the federal checks are protected. does anyone know if that is true? i swear to God if i check my account tomorrow and they take that then i am a dead man without any money at all and it would be hell to get it back. i am still trying to get my savings money which was very little but still. the feeling of unsafety runs rampin throughout my veins and i simply can't live this way any longer.

my mother found an attorney and we are both going tomorrow. my whole family is in debt. i do hope this is the Universe's gentle way to clear away this debt from me and help me start over but it sure is scary. i had just asked-- *the Universe*- to please wait until i am stronger and better from this benzo withdrawal but evidently it thinks i am. i had so many stressful things happen this week it was unbelievable and i am still dealing with all of it.

i had to rapid taper from my suboxone and i am still trying to appeal the brand name pills. i only have a few left and i'm down from 12mg to 6 mg so i am in opiate withdrawals now too. i had to do a second appeal with medicare today and not sure if i will win which will mean i will have to rapid taper the rest now or possibly even c/t from the suboxone or go on subutex.
but yes i do wish to totally be off that drug so this is happening. i want to go a bit slower but i was having trouble with that so the Universe took care of that did it. i can't take the film or the generic and i miss the brand name pills, they were good and felt different-- this totally sucks!

i got some spyware and malware on my computer and i was freaking out but i got it fixed and it's all paid for and seems to be working nicely. i thought i was a virus but now i know to really read all the fine print when adobe demands to be updated and installed. but i still paid one hundred dollars for them to remove a toolbar.

and now this creditor thing. so i will see what the attorney says tomorrow. but i think bankruptcy would be best because my credit is bad anyway. this way i could start all over and try to make payments on certain things like a bicycle i want or tires for car. i am good with money usually--sorry to say that this is my father's and "klonopin" fault. this is not me at all. this is being under the spell of klonopin and opiates and my dad saying over and over 'use your cards, i will pay for them--don't worry' and that's what i did!

thanks Guys! will let you know what happens!
Suggestions, opinions and/or advice provided by the author of this post should not be regarded as medical advice; nor should it substitute for professional medical care. Consult your doctor before making any changes to your medication. Please read our Community Policy Documents board for further information.

[Buddie]

In the USA, unfortunately, a bank can take whatever money they feel is owed to them. I had a situation with Citizens bank where they implemented a new fee for my checking account, didn't tell me, took the money, gave me an overdraft fee, and charged 6.99/ day because of the negative balance! I took my paycheck and moved to another bank. There is always the option of cashing whatever money you have and putting it under your mattress. I HATE the banks and think that everyone should do their best to avoid them.

In your situation though, I suggest opening another account before they report you to the credit bureau. Also, a lot of times whoever the creditor is will try to work with you. Try calling them and asking for a settlement. Even sending a dollar a week will reduce the debt eventually. Good luck!!!
Suggestions, opinions and/or advice provided by the author of this post should not be regarded as medical advice; nor should it substitute for professional medical care. Consult your doctor before making any changes to your medication. Please read our Community Policy Documents board for further information.

[Buddie]

i did call them today [...]! i told them my situation and will probably receive a phone call at the end of the week. they didn't want to accept the very fair amount i offered them today but he said he would talk the manager. so i will see. but tomorrow i am off to an attorney and i may take the rest of my checking money out tomorrow as well and just leave enough in there to pay bills. i just hope it stays put and safe!

i am asking you Universe so thank you and it is done it is done it is done!
Suggestions, opinions and/or advice provided by the author of this post should not be regarded as medical advice; nor should it substitute for professional medical care. Consult your doctor before making any changes to your medication. Please read our Community Policy Documents board for further information.

[Buddie]

Good luck, [...]...hope this works out for you.
I had no choice but to do bankruptcy. (Thank you, Klonapin....for disinhibiting me so much I blew too much money!)
These things stay on your record for 7 years. So, I wont be free of it for another two years. But Ive learned to live without having credit, and I prefer it now.
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Suggestions, opinions and/or advice provided by the author of this post should not be regarded as medical advice; nor should it substitute for professional medical care. Consult your doctor before making any changes to your medication. Please read our Community Policy Documents board for further information.

[Buddie]

Hi PD,I know how overwhelming even small problems can be while we are goinv through this,and the financial ones are really stressful.I feel like God has forsaken me at times when things get really hard,but its just the recovery process making everything feel ten times harder.I wish all of our daily problems could be put on hold while we heal,but they can't.Don't have any legal advice,but just wanted you to know that I hear you and  that I know your pain.Hang I there dear,this wil all be a distant memory one day.
Suggestions, opinions and/or advice provided by the author of this post should not be regarded as medical advice; nor should it substitute for professional medical care. Consult your doctor before making any changes to your medication. Please read our Community Policy Documents board for further information.

[Buddie]

Definitely take this up with an attorney but try not to stress too much over it.

The whole issue (aside from certain court actions which as I mentioned you absolutely must stay on top of) is completely overblown in most people's minds. Before I lost everything I thought the world would end if I lost everything. But guess what? It didn't.

I have been too sick to try to rebuild my credit, but I am surviving without it. Oh well. Just another thing on the todo list when I get better.
Suggestions, opinions and/or advice provided by the author of this post should not be regarded as medical advice; nor should it substitute for professional medical care. Consult your doctor before making any changes to your medication. Please read our Community Policy Documents board for further information.

[Buddie]

i haven't spoke to this creditor but i am going to call them and tell them i am very sick and to please leave me alone. i would rather that come from an Attorney. i must get an Attorney. this isn't my only creditor. but it sure is the only one that has done this. i am so scared right now. i am so alone and my family just can't help me anymore.

they got me into this mess. i've been so sick in tolerance withdrawal for over ten years. then diagnosed with MS which i'm not really sure about. now trying to be free from benzo's and just keep getting tied down and held back. i feel so shell shocked about everything that i walk around saying "this can't be my life"

i am afraid i will go over the edge and just end it. everytime something like this comes up i can't handle it. i can't handle when my computer has something happening to it.

my father kept telling me to "use your credit cards--i will pay them" but then he couldn't pay them anymore. so now all of us are stuck under one roof-- me, my brother and his daughter, my mother and my dad because everyone is sick and no one has any money. i seriously can't believe this is my life and now my savings is gone! i hate when even a penny is taken from me by anyone. and i want it back! i don't know where to start?

Hi [...]..


As you are in the States, go to www.collectionbully.com.  You might be able to get help from them.

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Suggestions, opinions and/or advice provided by the author of this post should not be regarded as medical advice; nor should it substitute for professional medical care. Consult your doctor before making any changes to your medication. Please read our Community Policy Documents board for further information.