What do I do if an attorney is attempting to freeze my bank accounts to pay a debt?
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What do I do if an attorney is attempting to freeze my bank accounts to pay a debt?
I recently received a letter in the mail from an attorney’s office representing a credit card company that I owe money. The letter was an execution for an incorrect bank to freeze my account. I spoke with the attorney’s office this morning and told them I would like to set up a voluntary payment plan. The attorney recorded all of my information and attempted to get the name of my correct bank from me. I told him that I felt uncomfortable with this since they attempted to freeze the incorrect bank already. Should I trust him to work with me, or should I consider filing bankruptcy?
Asked on May 24, 2012 under Bankruptcy Law, Indiana
Answers:
MD, Member, California Bar / FreeAdvice Contributing Attorney
Answered 11 years ago | Contributor
Neither route for you (filing bankruptcy or giving him the information) is the best solution for you. If you truly cannot pay your bills, then bankruptcy may be the best option overall but try to avoid it because it will make a big hit on your credit report. Ultimately, you may wish to simply scrounge up the money and send the check via U.S. Certified Mail or Registered Mail to the attorney's office with the memo section stating this is payment in full for the xyz debt. If the attorney refuses, you can use this to dispute the debt itself with the credit reporting agencies and show you attempted payment and it was refused by the creditor's agent (the lawyer).
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