Bank account seized.. Debt almost gone.
The company handling my account is Rubin&Rothman for Ford Motor Credit. I voluntarily surrendered a vehicle to the dealership as instructed by FMC about six years ago. I owed $6,000 after the vehicle was re-sold. Unable to pay the $300/month they were demanding, they froze my bank account. I offered them $150/month but they told me it was too small and that their court proceedings were going forward anyway so I might as well wait for it as it was inevitable. As predicted the wage garnishment started about two years ago. I have had no problem with this as it is a debt I owe.
In February of this year, I noticed the garnishment had stopped. I called the Sheriff's department and they told me the debt was satisfied. Sweet!
About a month ago, I discovered another garnishment to my paycheck. I called the Sheriff's Dept. and they told me it was normal and was probably the interest to the principal that usually gets started later. It made sense, and I an still happy to pay.
Yesterday my wife called me at work and says, "Our bank account has been frozen"! So I called my employer's Legal Dept. the Sheriff's Dept. and of course Rubin & Rothman.
Apparently, because my employer stopped paying before it was satisfied, yet responded within twenty days of receiving another order for the interest, they are able to freeze my account again. I pleaded with the woman, telling her that she KNEW she was getting the money. She said she does not care. She will do whatever she can to get the money as fast as possible for her client. I responded with the fact that I have Veteran Benefits being deposited into my account. She demanded that I fax her ALL of my bank statements for the last three months and she will determine whether she will let me have some of it.
What does this mean! Is she overstepping her legal boundaries here?
I got the last three months statements, and blocked out all of my transactions EXCEPT the Veterans deposits but she has not responded yet.
My Legal Dept. is also in communication with her, but she is not budging. I have had $180 in bounced check fees already because it happened right on the day that I was paying bills. I only owe about $900 for the interest and have never shown any ill will against Ford or Rubin & Rothman. I have stopped direct deposit from my paycheck, but it is too late now and it will be another four months (at least) before I am caught up from this recent blow to our finances.
Is there anything I can do?