Freezing Bank Accounts....

[Txgirl]

I am in Texas and apparently I was told and read they can freeze your accounts pre-judgement.

The only account I have is savings in which mine and my husband's monthly checks go into and then we pay bills out of that.

Should I keep the account open with a little money in it. Get paperchecks and pay for everything with a money order?

We have no other bank accounts. What is the likelyhood of them freezing my checking account?

[EricaCallaha]

I would close the account and start fresh somewhere else. It will throw off the people that are trying to garnish you. Getting paper checks and paying with money orders are a great idea. It will link nothing to your bank.

Depending on how determined they are...it is entirely possible to freeze your accounts and it is a mess to get them unfrozen.

Good luck.

[junker]

44. Texas Wage Garnishment

Wages cannot be attached or garnished, except for child support.

Income that is not a wage can be garnished or ordered turned over to a receiver.

Bank accounts, rents and royalties can be garnished.

Exemptions include social security benefits.

WARNING For individuals living in Texas who are paid from an out of state location, there is case law (Baumgardner vs. Sou Pacific 177 S.W. 2d 317) to support taking a judgment from Texas, domesticating the judgment in the foreign state, then filing the wage garnishment there. Many creditors have used this strategy successfully.

[Txgirl]

Thanks Junker! I have been reading up and know they can't do wages, but that basically the only thing they can do is freeze your bank account.

I just spoke with an attorney who stated that in order to do that they (the creditor) must follow specifics steps and cross their t's and dot their i's.