Judgement proof?

[lovemybugs10]

I've seen this used a lot.

How can going to a paper check stop wage garnishments???

[lovemybugs10]

*ahem* judgment

[LoadedGuns]

I've seen this used a lot.

How can going to a paper check stop wage garnishments???

It doesn't.

[flyinbroke]

No one is truly judgment proof. Anyone can sue and get a judgment. The proper terminology is "collection proof." If you are CP, anyone can get a judgment and it won't mean squat.

Paper checks eliminate large balances in bank accounts. There are states out there where garnishment of wages is illegal (TX, PA, NC, SC). However once it is deposited in a bank, it is fair game because once you are paid they are no longer "wages". These people are told to stop using direct deposit. Paper checks prevent this...unless you deposit them yourself. It is a safety measure to keep people from raiding your bank account.

As for garnishment, paper checks do not stop garnishment. Garnishment usually winds up happening through your employer so you don't even see the money.

[lovemybugs10]

Ahhh, I see.

Basically, I need to move back to Texas.

[flyinbroke]

However, apparently there was a court case in TX where the payroll company operated out of another state and the collectors managed to successfully circumvent it.

But yes, TX is far and away the most debtor friendly state in the US. The state version of FDCPA applies to the OCs too. Made BoA stop calling me that way. Now I just get monthly statements and changes to the agreements since their toy (NAF) was taken away. They tried one CA but I hired an attorney when they violated several state and FDCPA rules.

[lovemybugs10]

I'm in MN now. I hear the most creditor friendly state.