Legal Question in Credit and Debt Law in Virginia

Re: creditor levy on joint account

If a creditor garnishes a bank account held as a joint account, you should immediately file an objection. It has been a while, but I think that there should be instructions in the package they gave you. If not call the Clerk's office in the Court.

If you properly object, this will trigger an immediate hearing. They will have to provide notice to the joint account holder.

And then you demonstrate how much of the money in the account comes from which account holder.

The creditor can only take the money that belongs to the debtor, the percentage or amount contributed by the debtor, NOT the money belonging to the other account holder.

However, unless you object, no one will know that there is an issue about this.