Started by Douglas Morgan3 · · 👁 76 views · 2.1K replies
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Dennis Long13 said:Hey there, got a question I'm hoping someone can clear up for me.
If someone gets hit with a judgment here in the States, can the creditor actually go after assets or pull funds from a bank account located in another EU country?
Daniel Martinez9 said:Once the debtor dies, it's over. If the bank didn't collect the debt while they had the chance, they're out of luck. If they had a lien on the property, they can move to seize it. Immediate family gets first dibs on buying out the property for the amount of the debt. There’s more to it, but that’s the gist.
Ryan Lee2 said:Is there an actual legal code where I can look this stuff up, or am I going to need to hire a heavy-hitting lawyer to make sense of it all?
Thanks for the assist.
Daniel Martinez9 said:Trust me, I’d love to be the optimist here and tell you, "Don't worry, you'll get your money back."
If they actually approve it, please post an update here so we all know (you never know)... though honestly, I think your odds of getting a refund are lower than your odds of hitting the Powerball.
Nicholas Cruz7 said:Just wanted to drop an update: I finally got my scholarship refund back. 😁
The whole ordeal took three weeks of playing hot potato, running from one office to the next, and getting passed around like a football.
Finn claims they need proof that the funds were specifically a scholarship, then they tell me the bank has to file the formal dispute with them, so I have to coordinate with the bank to send it to the debt collector—once I jump through all those hoops, Finn just tells me, "Well, wait for the refund; we don't know how long it'll take, or if it'll even happen at all."
Then the debt collector sends it off to the law firm handling the case, basically telling me I'll pay off the full debt by the end of 2013, but there is absolutely no way they are touching any legally protected funds.
The issue is that they demand the bank handles the dispute instead of Finn, but when I go to the bank, they act like they have no clue what's going on, claiming, "We're just the tellers here."
The bank needs to identify exactly what every deposit is—since they're the ones who see the transactions while Finn just processes them automatically—so what's even the point of having protected income if it isn't actually protected when it hits your regular checking account?!
It took seven days for the faxed complaint from the bank to reach the law firm. Once I finally tracked down the debt collector again—I haven't had anything since August, not even my scholarship, let alone any actual means to live
(well, obviously I have ways to survive, but officially, I'm broke) —two days later, they notify me that the refund has been processed.
Meanwhile, the law firm was totally ghosting my emails for a week before that. Even after I told them repeatedly that I can't really do phone calls and need to communicate via email, they just ignored me, repeating the same old mantra, "Just call this number..." and treating people like they're idiots.
It’s a massive headache involving Finn (who still hasn't returned $77 their own fraudulent fees) and the bank too.
They’re just waiting for people to get exhausted and give up.
But hey, mission accomplished: I got the 🥳🙂money back.
Daniel Phillips54 said:Hey, quick question. So, I just got hit with a garnishment notice from my cell provider, and there's no way I can pay it up within the next 8 days because my first actual paycheck doesn't hit until a week after that deadline. I’m not even trying to fight the actual debt—I know I owe them and I fully intend to pay up—it's just that my money hasn't cleared yet... But on top of all that, these collection fees seem absolutely insane, $475 especially for a debt under $2,500. Am I totally missing something here? Should I try to contest the extra fees, or am I just gonna end up making the whole mess even more expensive for myself? Thanks for any help!
Ryan Lee2 said:Is there an actual legal code where I can look this stuff up, or am I going to need to hire a heavy-hitting lawyer to make sense of it all?
Thanks for the assist.
mistynomad47 said:So, back in September, I got hit with a fine, and then about a month ago, I received another notice with a bill for $83. I didn't manage to get it paid within that eight-day window, and honestly... life happened and I just completely blanked on it.
I realized today that my bank actually froze my account because of it. What’s the move here? Should I just transfer enough money to cover the fine directly into the account, or should I go ahead and pay the original bill through the state portal?
northernmaker13 said:Quick question; I just got hit with an enforcement notice and a judgment for some old debt from a telecom provider that’s been sitting there for over 7 years. The notary office paperwork says the date was back in June 2007. I actually checked on this debt a while ago and was told it had already expired, yet here I am, nearly 8 years later, facing asset seizure. I have 8 days to file a formal objection... any idea what my chances are of getting this shut down if it really is past the statute of limitations?
Richard Miller9 said:Hey there!
My bank froze my account and set aside funds to cover an overdraft. Since an authorized credit line from the bank shouldn't count toward my available balance when they're calculating what can be seized, I'm stuck. What’s the move here? How do I actually file an official objection or appeal this?
Thanks in advance!
feraljackal2 said:Are you absolutely certain they aren't allowed to tap into that overdraft?
Well, under the new regulations regarding the enforcement of judgments act, they can collect fines through wage garnishment. This specific law allows them to pull from any account a debtor holds—which means they can even dip into an authorized overdraft. Plus, there isn't really a provision in this law for a protected portion of your paycheck or pension—you know, that one-third buffer we usually rely on?
Daniel Martinez9 said:Why not consider filing an objection? You're one of the few people who actually understands their position and realizes they've been served (most older folks never grasp it until their bank account is frozen). Why not use that legal recourse... $475 It’s clearly too much, so you should COMPLAIN about those collection fees instead of just sitting there. But hey, it's your call... if you just leave it to fate, you'll end up paying the debt plus the full collection fees, and there's a real risk you'll end up paying twice.
The mandatory relationship law. My previous answer assumed there was no estate involved. If things are more complicated than that, it changes.
But I can tell you for sure: if someone plans to take Social Security, it won't be garnished because that's a legal right, not part of an estate.
Yes, you should probably hire a lawyer, but specifically one who specializes in this field.
And make sure you agree to pay AFTER the work is done. Don't fall for smooth talkers.
Honey, it wasn't just a warning; it was a garnishment order. Are you absolutely sure what you received, or is it something else? Don't pay a cent until you verify exactly which garnishment hit, and you can only find that out through the IRS... 😉
