I'm thinking of applying for a prepaid visa/mastercard reloadable debit card such as Rush card, accountnow etc. because my checking account was frozen sice there's a judgement against me, can they attach a lien on a prepaid debit card ?

Thanks and Happy new year to all.

Yes. The money in the account represents a cash asset that can be attached.

The thing about it is how do they find it, so if you register it in your name and associate a social security number.

But if you only pay cash for it, at the store, ( such as the walmart visa) and don't register it online or associate a telephone number, do it only with cash, Then they really can't find it, but if they could, yes they can.

Now the issue with these prepaid cards are the monthly fees to have it, the cost to add more money, A card can easiely cost you 30 or more dollars a month just to have it, not counting ATM costs.

SO it really doesn't matter which state is the card company, the can always find it ?

Im not sure that this is true... unless they already know where a bank account is, I don't know that they could just find it. The courts aren't going to give them access to social security records to recover money for a judgment. That is solely up to the attorneys to handle.

There's a lot of prepaid/reloadable debit company in different states, how will they find it out ? Is there's a database they can access ? I thought they will just call a bank near where you live and give them the court order. I'm also curious since I haven't heard or read anything about a prepaid/reloadable debit card being seized.

Thanks for the replies

If they find the account, it's a cash asset that can be seized. But as others have pointed out, it would be difficult to find that the account exists, especially if you are not required to give then a SSN when you open it.

To get an order to garnish the account, they would have to know the account number.

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Originally Posted by ScottGem

If they find the account, its a cash asset that can be seized. But as others have pointed out, it would be difficult to find that the account exists, especially if you are not required to give then a SSN when you open it.

To get an order to garnish the account, they would have to know the account number.

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The online application requires SS number , they said it's just for verification of identity not for credit check, so if I enter my SS they will find it out even if the bank is located in a different state ?

Thanks
Again

Who is the judgment from? If it's a private company like a credit card or something, they don't have access to social security records. If they did, we all would.

The courts can grant access to social security records but they would likely only do that in more extreme situations.

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Originally Posted by DrJizzle

Who is the judgment from? If its a private company like a credit card or something, they dont have access to social security records. If they did, we all would.

The courts can grant access to social security records but they would likely only do that in more extreme situations.

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I lost by default from resurgence group I think it's private, they bought my debt from Citi.

And when you signed up for the card, you probably either listed your bank account on the application or was your frozen bank account with Citi, as well?

So you buy and use a prepaid card that does not require a social security number. Or you merely keep buying the temp ones and every time you want to use put more money on it, buy another card. That way they are not traced at all.

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Originally Posted by DrJizzle

And when you signed up for the card, you probably either listed your bank account on the application or was your frozen bank account with Citi, as well?

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The bank account that was frozen was my Bank of America checking that I used to pay my bill on Citi credit card .

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Originally Posted by Fr_Chuck

So you buy and use a prepaid card that does not require a social security number. or you merely keep buying the temp ones and every time you want to use put more money on it, buy another card. That way they are not traced at all.

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The reloadable prepaid card requires registration and ID they said it's required for homeland security or something , the prepaid gift card is kindda useless for me since it cannot be used to pay phone bills , electricity or other recurring charges.

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Originally Posted by cid29b

The online application requires SS number , they said it's just for verification of identity not for credit check, so if I enter my SS they will find it out even if the bank is located in a different state ?

thanks
again

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The state doesn't matter. If you have to supply an SSN, then it is possible this will go on your credit report. If it does, then they could find out about it.

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Originally Posted by ScottGem

The state doesn't matter. If you have to supply an SSN, then it is possible this will go on your credit report. If it does, then they could find out about it.

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I see, so that's how they find out if the card issuer report to a credit reporting agency ? Because there's an option called credit builder where they will report to a credit agency all your bill payments, but this is optional, otherwise all transactions will not be reported and will have no effect on a credit history, I read it on accountnow visa.

Thanks so much for the replies, it helped a lot.