My husband has a debt in collections that they filed court papers for a while back and basically the courts just said yes he owes the debt and yes he needs to pay it. So I called them to set up a payment plan. They wanted $300 every two weeks and I said I can't afford that I will send you what I can. So I have been sending them $100 a month. Well he just got a letter stating he needs to fill out this paper and send it back in 20 days. They want his bank information and assests and all this stuff. They want to garnish his bank account to get the money, since in PA you can't garnish wages. The thing is, is that the bank account is in my name. His name is not on the account and he does not have direct deposit into my account. I deposit the checks into my account. My question is can they freeze my account and garnish it?

I don't even know why they are doing this. Before we got married he got into some money problems due to a bad back injury and being out of work. I have since paid off 3 or 4 collection debts and this is the last one. So it is not like we are not trying to pay it. We are currently paying it. I am sending in money every month it is just that I'm not sending it enough for them I guess.

Any advice or help would be appreciated it.

Thank you,
Kristen

If it isn't a joint account and only your name on it, they probably assume it is joint, I don't see how they can possibly attach a lien to it because it isn't your debt. Impossible to please these people and I just have such low regard for them.

They are doing this because they want to be paid. And they want it sooner then you can pay it back.

But if the debt is only in your husband's name and he has no bank accounts that his name is on, then, just fill out the statement of assets to that effect.

I would then contact the creditor and tell them, that you are not ducking out on the debt, that you have paid off other debts and will pay this one off, but only on terms you can live with.

I talked to a lawyer that said if the debt is in his name and the bank account is in my name then they can't do anything. So all is good. For now anyway.