Only a court of law by issuance of a Order of Garnishment or Levy can freeze a bank account. Any credit card company or debt collector making such threats are breaking the law, and you're entitled to damanges for their actions. I would google "FDCPA attorney new jersey" and get paid! I have no respect for a collector or agency that breaks the laws and lies to debtors!
yes
yes they can, if is up to them
No, what usaully takes place is that the credit card company freeze your credit card account and you continue to make payments
No creditor can freeze anyone's assets without court authorization--disability or not.
yes
No, unless the debit card is connected to a joint account with you. In that case the state can freeze the account to pay child support arrears.
A credit card company cannot freeze your bank account. However, it can sue you in court for any overdue balance. If the credit card company is successful, the court will issue a judgment lien that the creditor can use to freeze your bank account and seize any money you have on deposit. In fact, the judgment lien can be used to seize any assets you own to satisfy the lien.
The routing number is not located on a green dot card. To deposit funds to your Green Dot Card go to www.greendot.com log into your account and request a direct deposit form. The routing number and account number will be listed to give to your employer.
if a judgment has been entered against you in court by the collector they can freeze your bank account. If your CS is direct deposited it will NOT STOP THE FREEZE/SEIZURE. You then have to go to court and file paperwork and show that the money in your account is from child support. CHILD SUPPORT money is exempt from seizure but the bank follows the court order. (Same for SSI,SSDI) If it is in a bank account it can be seized until you file the exemption. Best now to have these monies placed on a sort of credit card that states are now offering in place of direct deposit.
Settlement usually occurs when the account is past due and has been closed. You can either try to settle with the credit card company, or the debt collector that the credit company sold the account to.
If you have her account number, call the bank immediately! The sooner the bank gets a freeze order on her account the less likely you are going to be charged for fraudulent transactions. Meanwhile, if you do not know the account number, you may be able to walk in using your own ID and hers to verify account or the bank may just freeze the account in good faith (not requiring your Grandma's ID). It depends on the bank, but you must contact them immediately either by rushing to a branch or calling the bank's account services number (the number you usually see on your card when it says "Report Lost/Stolen card") Short answer: get in touch with the bank your grandma uses right now...