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Can your bank account be garnished without your prior knowledge?

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Answered 2007-01-20 16:41:37

Yes. The banking institution does not know an account is subject to levy/garnishment until the order is served. In a few instances the account holder will have minimal notification (24 hrs). However, once the order is served no action can be taken by the account holder to protect the funds. An exception in some cases is a joint account where only one person is the named judgment debtor and/or an account contains funds that are exempted under state or federal law. If such is the case the account will be 'frozen' until it can be determined what percentage of the funds belong to each account holder.

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