Writ of Execution exceptions
Question Details: I have a writ of execution just mailed to me. They want to put a lien on my bank account. The only think in my account is my direct deposit paycheck and my husband's direct deposit paycheck. If they take my account that will leave no money for my lot rent and car payments as well as my other bills. Is these any exception that they can't take everything?
Bankruptcy Law Answers
What I suggest you do is call a local attorney to help you unfreeze your account. The general rules regarding bank executions is that if for example both you and your husbands money is deposited if the judgment is only against you your husbands money cannot be taken but you must show where the money comes from.
Furthermore most collectors will agree to take only a certain amount in exchange for payment plans being set up. The best way to figure out how the creditor plans to handle this matter is to contact them explain the situation and see if they will work with you to set something up and at the same time not leave you with nothing. Good luck
In Pennsylvania you are entitled to a $300.00 exemption. If you file a bankruptcy petition you may be able to set aside the execution and exempt the entire account. In any event, tyou should switch your automatic deposits to another account in another bank that the creditor does not know about.
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