Legal Question in Credit and Debt Law in California

Re: bank account levy

Q: Can this be negotiated?

A: Not by me. And I highly recommend not by you either.

You have absolutely nothing to negotiate with. So how are you going to negotiate? If you try to negotiate, the creditor will just play games with you, "Don't worry about it. I don't want you to be the slightest bit at ill ease. I'll make sure that everything works out for you." If you want something to negotiate with, file a bankruptcy petition--that will cause the funds to be released, and cause the debt to either be discharged or partially discharged with the remainder payable in installments over several years. If you then still want to "negotiate" with the creditor, you are free to do so, on your terms. If you reach an agreement, you may dismiss the bankruptcy case.