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what to do if someone is on your checking acct as the secondary and the collector are out for them and your accout get garish

stop putting your money into the account. if you are the primary on the account you need to close the account. make sure that there is enough money in the account to cover any pending items. Simply open another account in your name ONLY.

You really should have taken action before it got this far. Yes, Texas can garnish wages. If you cannot pay your only solution is a bankruptcy lawyer.

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