Legal Question in Credit and Debt Law in Missouri

You and yrou mother can Move teh Corut to Quash the garnishment. In that Motion you can try to show that yrou mother has not funds in the account Technically, you have comingled yoru money, so her creditor(s) may be able to get to the money in the account. The garnishment was a one time thing, but the creditor can do it over and over until the debt is paid. If your employer cannot change the direct deposit, then you need to open another account immediately and transfer your pay the same day it goes in.

Unless that Garnishment (execution) is quashed, your bank will be obligated to turn the money over to your mother's creditor. You may need to hire an attorney to represent you or assist you in handling this execution.

Good luck

Here's the major problem: you are using a very sloppy bank which has a history of being customer unfriendly. (I warn ALL of my clients to stay away from this bank!) Even if you open up another account with Bank of America which is solely in your name, there is no guarantee that Bank of America will prohibit the creditor from attaching your new account. It is extremely likely that you will need to hire an attorney to fight Bank of America and the creditor with a Motion to Quash Garnishment. One thing to consider: if your employer will not change the direct deposit until September, discuss with your employer that you no longer have a checking account and must be paid the old fashioned way.