A creditor placed an attachment on my bank account. The amount of the garnishment has been taken out of my account but the account is still frozen. How long does it take for the creditor to receive these funds and for them to release the attachment? It has been over a week and I have no access to any of my money.

Was there enough money to cover the entire judgement ( and if there was why did you just not pay them) But it will stay froze for several weeks giving you a chance to file various motions if you wanted to. Exact time various by state. But if it has only been frozen for a week, you are not close to getting use of it again.

If there was enough money to cover the debt, then tell your bank you will waive the hold period and ask them what can be done to release the account.

I was not even notified of the garnishment that is why it wasn't paid prior to the garnishment. It was a debt of my ex husbands that I was a co signer for and evidently he does not have a bank account. It was something he was suppose to be taking care of. Yes there was enough money to cover the amount and that amount has been deducted from my account. The bank tells me that they need to receive the release form from the attorney's office that filed the garnishment and I'm getting no where with the attorney's office. They won't give me any information and they keep placing the blame on the bank. I think I will go to the bank today and see if I can't get them to call the attorney's office and see if we can get this resolved.

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Originally Posted by ljb2117

I was not even notified of the garnishment that is why it wasn't paid prior to the garnishment. It was a debt of my ex husbands that I was a co signer for and evidently he does not have a bank account. It was something he was suppose to be taking care of. Yes there was enough money to cover the amount and that amount has been deducted from my account. The bank tells me that they need to receive the release form from the attorney's office that filed the garnishment and I'm getting no where with the attorney's office. They won't give me any information and they keep placing the blame on the bank. I think I will go to the bank today and see if I can't get them to call the attorney's office and see if we can get this resolved.

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Were you aware of the Judgement? You don't have to be advised of the garnishment.

You wouldn't be notified of the garnishment, but you should hasve been notified of the suit against you for the judgement. To obtain a judgement they have to get a judgement first. Now if you were a co-borrower on the loan, then they might not have notified you separately from your ex. But if you were a co-signer, then you would have had to have been sued separately.