Creditor Garnished $10k from joint account (OR)
A creditor sued my wife and won a judgment against her only (in Oregon). I was not a party to the suit or the credit card. I recently found out they garnished $10k from our joint bank account (also in OR). The “writ” was signed by the creditor’s attorney, not the court. The bank was quick to pay it, without even consulting with us. My wife doesn’t work, so all the income in the account is either from my wages or from state/federal tax refunds electronically deposited (of which I earned 93% of our income last year, she earned 7%). Because of this, I’ve got mortgages and car payments that are going to be returned!
She’s off the account now. I know I have 10 days to challenge the garnishment, so I have to act fast. I’m wondering whether the creditor can take my money like this, and what I can show the court to help them see that this was my money, not hers.
Thanks in advance for any help!