Q: I received a levy notice based on some credit card debt from years ago, I own nothing, do I need to respond somehow?
Couldn't keep making payments due to my employer not paying me (still owes me for a months work, i quit, just started new job), the collection agency turned it over to a lawyer I guess? Who is now seeking to levy on "any and all accounts and safe deposit boxes standing in the name of the judgment debtor"?
A:
If you have any money in that bank, (should be name of the bank on the levy), the creditor is going to get it. They are after you, and don't be surprised if they somehow find out where you work and hit you with a wage garnishment.
I suggest you deal with it. See a local bankruptcy lawyer for further guidance.
A: You really should sit down with an attorney right away. It's very hard to give you precise guidance without more information. Whatever you do - it should be today because once you get notice of a levy the next step is they take your money.
A: I agree with my colleagues. Apparently, you were sued, you did not defend and the creditor obtained a judgment against you for the debt which will accrue interest on that debt. With the judgment they can garnish your wages, levy on bank accounts and record the judgment in counties where they think you might have real property in your name. Unfortunately, the judgment is valid for 10 years and then can be renewed. This is not going away. I urge you to seek advice regarding your options - including bankruptcy.
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