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Capital one sold my $890 debt to a lawyer who has won a judgement against me in a court of law. I also have a judgement against me from a broken lease with an apartment complex for under $5000. I had previously tried to make arrangements with both parties to no avail. I do NOT have a bank account anymore. Only my husband has a bank account, but my name is NOT on it. My name is not on ANY bank accounts anymore. The state I live in does NOT allow wage garnishment for civil matters.
Proof:
Wage attachment is prohibited in South Carolina. SCCLA 37 -5-104.
From: http://www.fair-debt-collection.com/...hments.html#41
Questions:
Can my husband's bank account be garnished or frozen if my name is NOT on the account and the judgements do not involve him. In fact, all are against me and use my maiden name (Not that the maiden name makes a difference.)
AND
If checks from my job are directly deposited into his bank account, and again the bank account is in his name, will they be able to attach to the bank account because my wages are in there as well, or does my name have to be on that account for them to do that? I have tried to stop the direct deposit, but it is mandatory with my job.
And before any judgemental responses are posted, please know that I am getting back on my feet after a major medical set-back and have made ample attempts to contact both parties. My husband and I are on a very tight income, and are basically left with about $250 a month AT THE MOST after bills, and that's only for the amount of time that my student loans are in economic hardship deferrment status. If a bank account is garnished, we won't be able to pay our rent, power bill, and will subsequently be on the street.
Oh, and the lease was broken because I was laid-off from my job and the landlord refuses to compromise in wanting a set amount of money up front. When I wouldn't sign for an agreement to pay him $1000 dollars up front and $500 a month, he sued me and won.
Serious responses ONLY.
I am not trying to screw anyone. I am just trying to keep my head above water. I know that there are people who might be inclined to post snide or judgemental remarks, as I have been reading through the posts and mulling over asking my question here. I am terrified to ask, because I don't want backlash. I have had enough badgering and harassment from creditors and that bloodsucker of a landlord.