Credit Card debt

ladbugjones · #1 Apr 19, 2004, 09:20 AM

Is it legal for a credit card company (Sears) to garnish your wages? And have access to your bank account? i.e to know when and how much money you deposite in your checking account.

caelamccloud · May 4, 2004, 10:07 AM

Absolutely! Yes, it sounds crazy, but it's perfectly legal. Highly unethical, but very legal. The best option for you now (in my opinion) is to call Sears and make some kind of payment arrangement and get something IN WRITING saying that they will stop the garnishment. After you have that, close the checking account that which they have access, and send the payments in the form of money orders from now on. Never ever ever let a creditor get hold of your checking account number!!!

swalther · May 15, 2007, 04:09 PM

It's only legal because you gave Sears your account #. All you have to do is change your bank and NEVER let anyone access to it.

s_cianci · May 17, 2007, 06:41 PM

IF they've obtained a judgement against you, then yes.



At Ask Me Help Desk you can ask questions in any topic and have them answered for free by our experts. To ask questions or participate in answering them you must register for a free account. By registering you will be able to: Get free answers from experts in any of our 300+ topics. Accept money for answers that you provide. Communicate privately with other members (PM). See fewer ads. Sign Up!