Can a judgment be placed on a Social Security bank account?
I have 2 debts with the same company - payments were taken out of my bank account each month - I had the automatic deductions stopped as I have been struggleing with my daily living, rent, electric, medications, etc. I am 75 and on Social Security only. This occurred approximately 2 months ago. I tried to negotiate with them but they wanted total payment up front. It has evidently been turned over to a collection agency. I received a call on Saturday 9/11/10 at approximately 10:45 a.m. stating that my social security ending in the last four digits would have a judgment placed on it demanding I call them by 12 p.m. They did not identify themselves, but did say my name and the last four digits of my social were correct. I traced the number and found they were a collection agency located in Chicago. I live in North Carolina. My only source of income is my social security which I have a direct deposit for. Can they put a levy or freeze my bank account? And where would the judgment come from - Chicago or the town I live in in North Carolina? Is it up to the bank to refuse the judgment since I'm on Social Security. My electric and car insurance are automatic deductions out of my account. I hope someone can answer these questions for me. Thank you.