Collection proof question

[lovemybugs10]

We have a checking account with one bank and a savings with another.

The savings in is my name alone. Because my social isn't on the cards- the savings account can't be accessed by judgment, correct?

The savings is direct deposited. It never touches the checking.

I'm wondering, since we can't get my dh a paper check if we directed all of his check but a few bucks into my savings account?

[OHBOY]

Who is the debtor ?...your husband, you, or both ?

If you are the debtor, or cosigner, your account can be levied/cleaned out following a judgment.


....I am not a lawyer, and I am on this forum like you, to learn, therefore I am merely voicing my laymans opinion here....

[lovemybugs10]

Thanks, I appreciate it.

I had a card with my name on it, but never signed anything. They aren't coming after me for the CC debt, only my husband.

[BigJohn]

If the creditor finds out where your husband is working, they will garnish his wage.

[catleg]

So you have a joint checking where DH gets his pay, and you want to transfer it to your savings at another bank the moment it gets credited. Sure, that sounds like a plan to me. As Big John said you're only at risk of wage garnishment. (or maybe not, depends where you live and how much you make.)