Need some advice or legal help. Tried to put a post up earlier something happen to my computer.
Anyway I have been reading post about credit card company's garninshing your wages and taking money out of your bank acct without your permission. Can they really do this. Is this actually legal. My name is on my daughters bank acct due to her age and her savings acct. Yes I have a bank acct under my name. My daughter works and this is her money not much but it is still hers.
My question is? I have had to enrolled into a debt settlement program due to health problems and lack of work. Can they still garnish my wages and take my money out of my acct. Yes I am back to work.

Any help or words of wisdom would be appreciated.

glc2008

irs and unemployment checks in your bank account as an only income

baymare

But what if you can't afford to pay even the minimum on the credit card bills? I'm on SSI, food stamps just decreased as they do every May, water/sewer bill just doubled in April, garbage added a "gasoline surcharge" that's upped it $10 a month, and I've given up my cable TV ($10.36 a month savings) and my telephone ($10.48 a month savings).

I get a total of $637 a month, pay $250 mortgage, $62 heat, $55 w/s average, $20 garbage average, electric will be going up because I have congestive heart failure and must have AC in summer. I'm not able to use handicapped transportation, so I have to pay $50 a month for car insurance. I try to keep the gasoline down to $40 a month, but my state doesn't cover transportation costs for medical appointments. If I don't walk twice a week - 3 hours total - my health worsesn, not to mention that I can't walk across the street to my mail box, so I have to drive to it twice a week, too.

I was paying $190 a month for the minimum on the credit cards, but with food stamps decreasing, and everything else increasing, I don't see how I can make even those minimum payments come June.

So, what now?