klassyfemme
Dec 8, 2008, 09:16 AM
NYC Resident
I have been unemployed for the past eight months since my last contract job ended in February 2008. Previous to that, I was laid off from a job I've held for the past eight years. My husband filed for Bankruptcy without me because at the time, I wasn't in the kind of debt trouble I'm in now, I was just a little behind in my bills. So far, I have been working with all of my creditors in hopes that they will allow me some way to pay off my debts. Some have been nice and worked with me to get them paid off. I've managed to pay off most but not all but three.
The others that were not so nice, didn't want to hear about current my financial situtuation and had the expectation for me pay higher payment plan amounts. This one particular creditor, WNNFB Bank (Ashley Stewart) was not willing to work with my current income at all to the point where they just broke off all contact with me and told me that they would be filing for judgement. I only had $1000 left to pay them after making arranged payments with them in the past. Scared to death and against my better judgement, I borrowed against my pension to pay off the debt. Before I could send a check for payment and my pension early distribution check could clear, my checking and savings account was seized and frozen. Both accounts contained my unemployment benefits and my pension payment. I am totally unable to pay my rent, utilities or buy food for my four children at this point.
I am unsure of what type of income is exempt from judgement seizures in NYC but thought unemployment benefits was part of it. What can I do to get these funds back?
I have been unemployed for the past eight months since my last contract job ended in February 2008. Previous to that, I was laid off from a job I've held for the past eight years. My husband filed for Bankruptcy without me because at the time, I wasn't in the kind of debt trouble I'm in now, I was just a little behind in my bills. So far, I have been working with all of my creditors in hopes that they will allow me some way to pay off my debts. Some have been nice and worked with me to get them paid off. I've managed to pay off most but not all but three.
The others that were not so nice, didn't want to hear about current my financial situtuation and had the expectation for me pay higher payment plan amounts. This one particular creditor, WNNFB Bank (Ashley Stewart) was not willing to work with my current income at all to the point where they just broke off all contact with me and told me that they would be filing for judgement. I only had $1000 left to pay them after making arranged payments with them in the past. Scared to death and against my better judgement, I borrowed against my pension to pay off the debt. Before I could send a check for payment and my pension early distribution check could clear, my checking and savings account was seized and frozen. Both accounts contained my unemployment benefits and my pension payment. I am totally unable to pay my rent, utilities or buy food for my four children at this point.
I am unsure of what type of income is exempt from judgement seizures in NYC but thought unemployment benefits was part of it. What can I do to get these funds back?