I stopped paying my credit cards in 2008. 3 months ago I opened a Wells Fargo checking account & was notified 8/17 that a "funds hold" was placed due to CIR law (collections agency). CIR law has my current information because they regularly send me mail and called me. I have never received any other paperwork from them besides "seasonal settlement offers." Do they have a legal right to hold my bank account? I have two children. Automatic funds are sent through the account for child support.
1 Answer from Attorneys
CIR Law is a debt collector. Generally, they purchase charged off debt from credit card companies and try to collect. If they have a hold on your bank, this means they have a judgment -somewhere some how they claim to have served you with a lawsuit and that you never responded. I see you are in Duarte. I would encourage you to check the information from your bank - there should be a case number on the paperwork. Reveiw the court case and see when the judgment was entered. Then you can plot a course of action. It may be a motion to set aside the judgment or it may be soemthing else. But whatever you do act quickly as you have a window of time that is starting to close.
You can call always my office for more information. Good luck.