Collection agencies do not normally have that power without a court order. You should go see a lawyer ASAP.
== == no they can not do so for a medical bill.
It is possible for the collection agency to put a lien on your bank account. Before they can do this, they must go through the proper procedures first.
No, only if the survivor benefits are your only source of income they are non garnishable.
No, once a collection agency relinquishes their claim to the account by selling it they must remove all negative trade lines related to that account from your credit reports. Hope this helps ST
In Texas, a collection agency can potentially levy a joint checking account, even if the debt was solely your spouse's prior to your marriage. Joint accounts are considered the assets of both account holders and are subject to collection efforts. It is advisable to consult with an attorney for specific legal advice regarding your situation.
A collection agency (or pretty much anybody now a days) can check your credit records with all three bureaus. They will see your bank records on the credit record. You can check your own credit record to see if the bank record is there.
If a Payday Loan company hires a collection agency to collect on your account they can send your account to an attorney to collect the amount of the loan and any NSF fees that you have accumulated. However, it is stated at the bottom of your contract that if you close your checking account that the loan is made from, that you can be charged with fraud.
A collection agency can take 100% of the money in your joint banking accounts, regardless of who deposited it. If the debt is owed, and there are assets in the name of the debtor, those assets are in jeopardy. It is not easy to hide these even by trying to shelter them in an account with someone else's name. If the asset exists, it will be found in most cases, and a collection agency that locates it will take all they can the first time they hit it.
Yes.
No. A collection agency can not freeze your bank account. Only a judge could do that.
The original account with a normal credit company went to a third party collection agency. Only after it went to the collection agency was the debt paid and then the account closed.
No, it is illegal for a collection agency to garnish or freeze your account for any reason. The only way your account can be garnishes is if you owe taxes or child support. If a collection agency threatens to do this, tell them that you are aware of the Credit Reporting Laws on this matter (there is legal ground for this matter).