[lthels]

:confused:

I had a default judgment rendered against me and I am worried about them coming and taking all of the money out of my checking account. How do they do this? How do they know where my account is, and if they do find it, will I get any warning??

[progunr]

There are many ways to find out information such as your banking information.

Did you ever make a payment to them with a check or debit card? If so, they don't need to find it, they already have it. Same thing if you entered any of this information on an application.

You will not get any warning, they just levy the account based on the judgment. They can also levy personal property to be sold at auction and applied to the judgment as well.

You should try to work out a payment plan on the judgment unless you don't mind looking over your shoulder and worrying about when your bank account might shrink dramatically.

Good luck to you!

[talaniman]

Once they get a judgement the can freeze any accounts, and no warning will be given at all. They can also put a lien on all your property, and garnish your wages, depending on where your living.

[ScottGem]

In most places your personal residence is exempt from attachment for unsecured debt. Also, most creditors don't want to take personal property. They want cash, not to auction off the clothes from someone's back.

But they will garnish your salary and go after cash assets.