I have a judgement from January or February of 2009 for a credit card balance. they are only now putting a hold on funds on my checking account. can they do that after this long? I am receiving UC, have been unemployed for most of the past year, can they take my UC direct deposits from my account? Also, is there somewhere in the Reading area that I can speak with someone to get help with this? I have no money to pay an attorney. Thank you for any advice.