Can you open another checking account after garnishment procedures have started without fear that those funds can be froze or garnished?

Answer 1

I mean, how dare those idiots think your dumb enough to actually ever let them get what you owe them!

Sure...thats it...change accounts. No one else woulda' thought of that - your just one step ahead of the rest of us. And fearless too. What a man!

Boy....your slick.And that criminal act that puts you in prison (unlike the civil ones of not paying a debt)...you know the one even the "big time" Enron, etc guys get prosecuted under (because it's snubbing your nose at the authorities that make and enforce the laws)...what's it called again? Something like fleeing to avoid prosecution....oh know...this isn't cowardly fleeing, it's something else....maybe "hiding assets to avoid process..." or something. Oh, who cares.

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Opening another account would not be an illegal act nor would it be possible to transfer funds from the account being levied. The point is moot though as a credit check is done when a new account is applied for so a judgment action against an existing account would be made known and the application would be refused. (Banks use Chex Systems to review the status of a prospective customer opposed to the credit bureaus, all negative activity on an account would appear. The reason being, banks lose a lot more money in trying to collect on overdrafts and such than they would spend on running a simple check of one's banking history. )

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Addressing added comments above:
I believe moving monies/assets to avoid seizure, after the process is started but before effected, which is how I read the Q, would be an illegal act. I am not aware of any bank that runs credit checks for someone to open a savings account or even a checking account...it is a costly and time consuming process and as they are not extending any credit on these, they certainly couldn't, nor would they be interested in, denying accepting the deposit. Especially as, (even if the one opening the account is a serial bad check writer), one of the major sources of pure revenue for banks is the substantial fees they charge for just returning NSF or overdraft checks (neither of which they honor or pay anything out on - unless your history with them is such that they feel confident they will recover it all). Heck, most of the time with newer or questionable accounts, they won't even credit deposits without recourse until the draft has actually cleared.Chex systems is not a credit report. It does not report credit. It reports only on accounts closed for cause. Not an issue in this case. The initial account is apparently open. (As below).
U.S. banks and credit unions report incidents to ChexSystems to protect themselves and other banks in the future. You get reported to ChexSystems if your account is closed for "cause." What is "for cause?" Banks differ greatly between them as to what valid reasons are for closing an account. Here are some examples:

• The bank was unable to collect for an overdraft, ATM transaction, or automatic payment which they honored on insufficient funds.(Regardless of amount, and often without waiting more than a few days!)
• Multiple overdrafts.
• Savings account, debit card or ATM abuse.
• Fraud.
• Providing false information in opening account.

Each incident stays on your record with ChexSystems for FIVE full years from the date the incident was reported.

Answer 2

I'm not a legal expert, but generally, opening a new checking account after garnishment procedures have started may not necessarily protect those funds from being frozen or garnished. It's important to consult with a lawyer or financial advisor who can provide guidance based on your specific situation and local laws. Additionally, it's worth noting that attempts to conceal or hide assets to avoid garnishment can have legal consequences.