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Home > Money & Services > Bankruptcy & Debt   »   Bank Levy In New Jersey.any loopholes?

 
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Old Apr 6, 2009, 08:00 AM
rxnarunner
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Bank Levy In New Jersey.any loopholes?

My bank account has been levied for $2200. Im not sure what the total judgement is im waiting for a call back from the court officer. Here are the details. The only thing i can think of is a lease i signed back in 2007.

The first year i was there i paid one year up front due to being separated and not having a job b/c i stayed home with my kids for years. That lease was signed on or about July 12 2006. I also paid a month and a half security deposit along with the year. June of 2007 came around and my divorce not being filed yet and my husband agreeing to pay for half the rent i agreed to sign another one year lease. July 4 rolled around and i came home to find a notice taped to the outside of my apt stating i was late with July rent. I sent the check on the 3rd and she received it on the 5th but i thought since my signing of the lease was on the 12th of July, i still had until then. i asked the landlord would my lease be running from the 12th to the 12th? she said no. that was my first red flag. August came along and rent wasn't receive by the 3rd. and she not only called my job but came to it TWICE!!! along with her calling repeatedly she went into my apartment with the excuse of changing batteries in smoke detectors. she called me AGAIN after she went into my apt. i told her that she wasn't allowed to go in my apt without my permission and i would be moving out. september came and again she went in my apt. stating she thought i moved out. i was late with the rent.at this point i was not able to afford it and no longer wanted to bust my butt working to pay someone who kept coming to my work and going into the apt. i felt unsafe. i told her i was moving due to her harassment and husband being advised not to pay for my rent.

i moved out Sept 17, 2007. i left her ALL info. i had no forwarding address but gave her my work address and she had my old address from when i first signed the lease. i have been at my job for 2 years and have yet to hear from her.

now my bank act is being levied and im worried about garnishment. i have NEVER received any notice of court and would like to fight this.

Does anyone have any advice? Also, my husband and i are still not divorced, will his bank account be levied also, even though he didn't sign the lease? am i better off filing bankrupt? i make very little and have 4 children. shes already taken my savings. im mad b/c i wasn't notified. she kept the security deposit which was 1200. can't i fight this on the basis of harassment? are there any loopholes?

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Old Apr 7, 2009, 10:48 AM   #11  
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Scott~

i would actually support you. but i have closed my accounts due to the levy kinda stinks b/c you saved me some time and hassle. maybe someday ill be able to answer a question for you!!
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Old Apr 7, 2009, 10:49 AM   #12  
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I think you may be able to do without an attorney for now. When you talk to the person at the bank, inform them that they are NOT to transfer any money since you are trying to get the judgement vacated. I would get the name and FAX number of the person you speak to and fax them a letter to this effect. Because of the delay they caused in getting you the info to file your motion, you do not want to lose out. Once the money is transferred you will have a great deal of difficulty in getting it back. You aren't asking them to unfreeze your account, just to hold off transferring the funds.
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