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After a financial obligation collector sues you for the financial obligation and wins a judgment, it may get a court purchase for the bank or credit union to make over funds from your bank account or card that is prepaid. This is certainly called a “garnishment.” A U.S. Department of Treasury rule requires banks to immediately protect specific federal advantages from being frozen or garnished if they're direct deposited into the account. You can find exceptions to the guideline, that are explained below. Learn about the way the automated security works.
Advantages included in this guideline:
If a collector attempts to garnish cash in your account, your bank must glance at your bank account history to see in the event that you received some of the above advantages by direct deposit within the last few 2 months. The financial institution must protect 2 months’ well worth of benefits from garnishment and allow you to make use of that money. In case your account has significantly more than 2 months’ well worth of benefits, your bank can garnish or freeze the extra cash. Nevertheless, if that more money that is garnished is exempt from garnishment under federal or state legislation, you are in a position to head to court to possess your hard earned money released.
Many individuals get federal advantages such as for example Social protection or VA on a prepaid card.
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