Wht to do about a garnished joint account?

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Wht to do about a garnished joint account?

I have just been notified a “Writ of Garnishment of Property Other than Wages” against me was served to my credit union. The only account I hold is a joint account, where the joint owner has nothing to do with the judgment. I’ve read several different answers pertaining to this. What I am trying to find out is if this can be done? If this can be done, how long does it generally take until the hold is put in place? As of today my account is not frozen. Also, it is a relitively small amount ($900), once that is in the account do they automatically withdraw it and lift the hold? I was told I needed to pay the amount to them by certified check to have it lifted, but I’m not sure how I would do that if I could not attain my funds from my account.

Asked on August 29, 2012 under Bankruptcy Law, Maryland

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

s you understand the account can be garnished if it has your name on it even if it is held jointly with another person.  It sounds, though, as if you have yet to ahve the account levied by the creditor and that you wish to pay off the debt.  So why not make a deal and enter in to a repayment agreement?  I would also have the other joint owner consider opening up a new account in their name only.  Good luck.


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