bank account

[evafla]

Great forum, I study it for a while, learning so much .
Sure, I lost my sleep to the end, but knowlege is power .

I have many question, answer very appreciated .
I will try ask one by one .
Old story : huge cc debt, I already missed few payments,
and I will stop to pay .
Paying already does not make any difference, APR is so high, balance does not go down.
Expecting to be sued .
No assets, only income ; alimony .
I know already ,can be garnished .
Question ;

Is bank going to give money to creditor, if the account
is join account ?

I was married twice, and divorced twice .
Alimony are from first husband, join account with second husband .
Second divorce 2 years ago .
Number of join account is known to creditors, I was making payments from
it .
The only plus of this account , I did not have any credit card
from the bank where an account is .

I think, bank does not know who the people on the account are to each other, we have different last names .

Account was open by ex like maybe 5 years ago, and my name was added to it 3 years ago .
I am investigating this option, because I have very limited flexibility with deciding where alimony are going to be deposited,
but this particular account would work for this purpose .

please, please if you really know, answer my question
thank you , so very much
e

p.s. I do not have any objection to have my money in account with the name of my ex on it, just can they take it from there, or can not, or maybe .

[catleg]

What kind of bill payment did you make using the checking account?
Did you write checks, use online bill payment, or give creditor the account numbers on their web site?
Since you're at a "neutral" bank with no credit cards, you might be safe.
I think the real fear we have here is that a corrupt bill collector will falsely claim that you gave permission to take out money.
It would be best to get a new account, but if you make sure to take out/use up the money in the account shortly after you get the alimony payment you should be ok.
By the way, I thought you would lose alimony from 1st husband by marrying the 2nd. Not true?

[evafla]

answering question

Both; check and giving bank account on the website .
Two (big ones) credit cards.
About alimony, you are right, lost after second marriage .
However my case was very specific .
To long story to put on this forum .
If it is interest of yours, send me email, and I explain .

Back to debt, I was worrying mainly about, what is going to happen
when creditor is going to have judgement againts me .
I did not yet think about option you pointed to .
Well, another sleepless night .

Thank you very much for your post .
regards
e

[evafla]

BigBoy

Big Boy;
I read many posts by you, and found them very informative, thanks .

Yes, I know it looks strange, but unfortunately I have things to
worry about already .
I am abroad, in Mexico, I need medical attention, in some
serious matter . No insurance in States, no means to pay .

I have been in Mexico for 5 months now , and will need to stay for at least
another 5 , I do not mind, it is good over here, but I am not there .

In midtime my ex is sending checks , to my old California address .
He sends by FedEx, so nobody is able to pick it up
for me , neither nor can it be forwarded to my po box .

I do not have any contact with ex, and I was forced to call
lawyer, to ask to file motion to the court, motion requesting ex to deposit
money to the bank account .

Now I need provide lawyer with the bank account .
I do not have any idea, how it would work later on , to change this
account for deposit of ex , another motion ?

I hope someone knows answer to above question .

Total mess. In addition, my driver licence expired in June,
I think I can not open new bank account on line .

Can maybe someone recommend a bank, not popular to much,
which will let me to open an account, basing on the data from my passport ?
On the phone, or on line .

Thanks
e

[evafla]

driver license

What about this, that DL is expired for 2months + now ?
thank you for respond
I do need help very much .

regards
eva

[SandyShores]

You can renew the license on-line or by mail if you are from CA. They'll use your current photo. I once had a lapsed license and they renewed it. Didn't have to re-take written test or anything.

SandyShores

[SandyShores]

No medical insurance. Have you applied for Medi-Cal? Make too much money? If you have cancer (breast or cervical) you automatically qualify for Medi-Cal if you are low income (at or less than 200% of fed poverty level.) Here is a link to the table for 2009:

http://www.dhhs.nh.gov/NR/rdonlyres/er2mzvaifxbsufvb5yldhooqdz3mpsp7gcr5rlgbr2ltagiquc5al374tbczp7nkouxqrnltbfvgt6zwqqltezoj6ff/Fed+Poverty+Guidelines+2009+Annual-Monthly.pdf

For example if you are single with no dependents you can make $21,660 a year and qualify for Medi-Cal if you have certain cancers. If you have dependents you can make even more money.

Every county also has a MIA (Medically Indigent Adult) program for low-income people who can't qualify for Medi-Cal. Each county has their own income guidelines. Some are better than others so you would have to research your county's program to see if you qualify.

Good Luck. Be careful of obtaining medical treatment in Mexico but I'm sure you have heard all this before.

SandyShores