California  |  Credit and Debt Law

Legal Question

Asked on: 11/30/11, 6:35 am

can A credit card collection agency put a freeze or garnish my bank account if my only deposit is old age social security benifits?

1 Answer

Answered on: 12/02/11, 3:45 pm by Harutiun Kassakhian

A credit card company cannot garnish or freeze your separate bank account unless they have obtained an attachment or a judgment against you. The credit card company needs to sue you first. The credit card company must file a civil complaint in California Superior Court and must also properly serve you with the civil complaint and summons. If your credit card comapny has sued you, you should consult with a experienced consumer rights'/bankruptcy attorney about all of your options. You must respond to civil complaints within 30 calendar days.

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