Freezing Of Bank Account

[angel5011]

What is the name of your state? New York

I am behind with several credit cards, some have been sent to Collection Agencies. I have settled with most of the original credit card co's.or have entered into pmt plans.

I am having no such luck with the accts that have been sent to the Collection Agencies. They are rude, call me all hours of the day & night. They have also called my relatives & divulged information, eventhough they have nothing to do with the acct. They are violating the Fair Debt Coll. Practice Act, so I am paying the accts that are with the original creditor first.

I am concerned that the Collection Agencies they will try to freeze my Joint Bank acct that I have with my wive, she is not on any of the cards that are in collections.. Should I close the acct out & have my wive open up a separate acct or can they still go after her ?? I also am on 2 bank accts with my mother, just in case something should ever happened to her, the $$ is all hers, I am worried that they will go after her accts because my name is on it too.. Does anyone know the process for them to freeze a bank acct ?? I have yet to receive anything in writing that they plan to freeze my bank accts, but 1 of the collectors told me they will do it, if I don't work with them..

I live in NY, just recently refinanced my mtg to pay these creditors.. The mortgage & Title is now just in my wive's name.

Are there any reputable co's or attorneys that will negotiate with the Collection Agencies on my behalf & go after the Collectors that are not playing by the rules ?? Thanks

 

[cmorris]

What is the name of your state? New York

I am behind with several credit cards, some have been sent to Collection Agencies. I have settled with most of the original credit card co's.or have entered into pmt plans.

I am having no such luck with the accts that have been sent to the Collection Agencies. They are rude, call me all hours of the day & night. They have also called my relatives & divulged information, eventhough they have nothing to do with the acct. They are violating the Fair Debt Coll. Practice Act, so I am paying the accts that are with the original creditor first.

**Send a letter to the collection agencies certified mail return receipt to only contact you by mail at "such and such" address. Tell them you know they have violated the FDCPA by divulging information about the account to others. Invest in a phone recorder for proof from now on.

I am concerned that the Collection Agencies they will try to freeze my Joint Bank acct that I have with my wive, she is not on any of the cards that are in collections.. Should I close the acct out & have my wive open up a separate acct or can they still go after her ??

**They can only freeze accounts after winning and obtaining a judgment in court. But, as a precaution, it wouldn't hurt to take her name off. Let her open up an individual account with your name NO where on it.

I also am on 2 bank accts with my mother, just in case something should ever happened to her, the $$ is all hers, I am worried that they will go after her accts because my name is on it too..

**Take your name off the accounts ASAP. Even though it is not your money, it could be a long, hard battle to get it back, if at all.

Does anyone know the process for them to freeze a bank acct ?? I have yet to receive anything in writing that they plan to freeze my bank accts, but 1 of the collectors told me they will do it, if I don't work with them..

**They must sue you first in court. If they win a judgment, then they can submit the proper paperwork to your bank.

I live in NY, just recently refinanced my mtg to pay these creditors.. The mortgage & Title is now just in my wive's name.

Are there any reputable co's or attorneys that will negotiate with the Collection Agencies on my behalf & go after the Collectors that are not playing by the rules ?? Thanks

I'm sure there are attorneys that will, but I do not personally know of any in NY. However, go to creditboards.com and become empowered! You can do this by yourself without paying someone else. Good luck!