how do i find out if my checking account has been garnished?

Answer 1

First, it will have a lovely topping of some sort.

Then, under the topping, a whole lot of money would be missing. And you do not garnish a checking account; the term is "levy".

Answer 2

Well my account was garnished now I don't keep anything in there just in case the debt collectors try to do it again. It puts all funds on hold in your account and all incoming funds on hold. And until the debt is paid off or until the company decides to take it off you won't be able to get any money out of your account. Also garnishment and levy is basically the same thing. When they sent me paperwork for the garnishment it read "Judgement for garnishment other than wages". So if you do have a garnishment you wont be able to withdraw money. If you have a letter saying they are gonna garnish your account...then take all your money out of the account and stop all direct deposits. You have until 30 days after they send the judgement for a garnishment. Look out and be careful.

Answer 3

I didn't pass the bar but I've worked with clients thru collections relief (all in the State of Oregon, I am making large assumptions about laws in other states).

Typically your checking account is garnished when a creditor has been unsuccessful in attaching your wages (as in, you are self employed or your wages are already being attached to your state's maximum by child support and / or other creditors who beat them to you). You should have received a writ of garnishment from the court and your financial institution will no doubt send you notification (since they don't want you writing checks against an account that has no money left in it).

Here's the good news. In the State of Oregon statutes protect your funds on deposit in the event that you are already being garnished to the maximum allowable rate from your paycheck. In other words, a creditor cannot take by the back door what they have been denied up front. You may be able to hook up with a local Consumer Credit Counseling service or another non profit debt professional to seek further assistance.

Good luck, I hope this helps!

Answer 4

Do you mean how do you tell if your check has been garnished? Look at your check stub. It should have every deduction on your check so you can reconcile Gross and Net Pay. If for some reason they reach into your checking account, you should be able to tell by looking at your bank statement that they send once a month. They itemize all activity so you can reconcile your checkbook to their bank statement.

Answer 5

Your place of employment should tell you before they start payments of any sort to anything besides you. It will be on your pay stub. It would have been in the court papers, it takes a court order to garnish your pay.

Answer 6

The people who garnish you have to notify you. Your bank can definately tell you.

Answer 7

Well, if you keep your register like you should, there will be a big deficiency between what the bank says you have & what you say you have, for one thing. Also, your statement will show a deduction & what it's for & where it goes.

Answer 8

It will have a lovely topping of some sort.