My b/f owns the house & vehicles with me, but it was my credit card that they got a judgment on. We're both on SSDI and I know they can't take our checks, but once the money hits the bank, I know they can take my account. I'm wondering if it's safe to put my money in his account. Anyone with any experience in this matter? I appreciate your comments.
2007-12-02 11:53:55 · 4 answers · asked by MissKathleen 6 in Business & Finance ➔ Credit
I'm positive they can't garnish SSDI. I'm making payments on the judgment.
2007-12-02 12:05:18 · update #1
If you b/f was not a joint user on the account that you were sued on, then they cannot touch his bank account or anything that is in his name.
If your bank account contains funds from SSDI "only", then they legally cannot touch that bank account.
If there are funds in the account that comes from other sources, your b/f gives you money and you deposit it, your great aunt Betsy gives you a christmas check and you deposit it, then the account could be subject to garnishment/seizing.
If that is the case I would suggest that you only leave a couple dollars in the account to keep it open, but cash your SSDI check elsewhere and deal only in cash.
If the account only contains your SSDI income, I would suggest speaking with a bank manager and request that your bank account be notated that the funds come from SSDI and is not subject to garnishment.
You might also check with the court clerk to see if you can file an exemption form for that bank account, and/or ask what you need to do to have it in your case file that the account is exempt.
2007-12-02 12:13:29 · answer #1 · answered by echo 7 · 3⤊ 1⤋
They cannot take an account that does not have your name on it. I would look again at the social security though. It is still possible for them to issue a garnishment against it.
2007-12-02 19:59:15 · answer #2 · answered by momof2 2 · 0⤊ 0⤋
Echo is absolutely correct! SSDI is not subject to garnishment and do exactly what Echo has stated in her answer.
2007-12-03 00:25:09 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Since you're not married, I don't think they can touch his account. Just pay them and get it over with. Why live in fear of the CitiMonster?
2007-12-02 19:59:05 · answer #4 · answered by ? 7 · 0⤊ 0⤋