[LBeaux]

I just found out there's a bank levy on my account. But I can't figure out anything more than that. My bank doesn't have any information about where the levy was filed, which court it was in, or anything about any judgment.

I got a letter from a creditor about 9 months ago about rent my landlord apparently says I owe. I sent a letter back saying I disputed that I owe anything. The credit agency sent me a bill for months I didn't live there, even though I notified the landlord and he even rented it out to someone else for one of those months. I didn't respond to that bill, since I'd already said I disputed it. (Mistake?)

Anyway, I didn't hear anything more from them until I found this levy. I'd like to file a motion to vacate because I was not served notice of the suit or the judgment, but I don't know how to find the court or the judgment. For one thing, I need access to my money. For another, I'd like to talk settlement without the levy hanging over my head in full effect. It's possible that I do owe something, but I'm absolutely sure it's less than the levy is for.

The bank did give me the collections' phone number, but I'd like to find out about the judgment/court without calling them. Is there any way?

[mr.yet]

The bank is lying to you, for them to levy an account they must have in their possession a valid court order.

TELL THEM TO PRODUCE IT OR RELEASE THE ACCOUNT!

[Fr_Chuck]

A bank does not freeze an account because they heard someone wanted it done, They would have to be served formal papers, signed by a judge to do this, it would tell what court is ordering it.

[LBeaux]

Thanks for your help, mr. yet and Fr_Chuck. The bank's still being a real pain in the neck, but at least I'm finding the right people to talk to, even if I have to call back Monday morning. :mad:

[ScottGem]

As Yet and Chuck said, the bank can't just freeze your account. They had to have been served with court papers and they have to give you a copy.

Since the creditor knew your address, you should be able to get the judgement vacated on grounds of improper service.

But, reading between the lines, it sounds like you broke your lease, leaving the rental before the term was up. If that's the case, you will owe the rental for the balance of the lease or until the property was rented.

[GoldieMae]

Also, get a copy of your credit report. It should be on there as well.

Did you keep a copy of that dispute letter? Did you send it regular mail or certified mail? If you have a copy of the letter and a certified mail return receipt, that'll help you out.