Legal Question in Credit and Debt Law in Florida

Money frozen in bank account more than what I owe. The amount frozen is a lot more than what I owe. But most of that money isn't even mine. My question is this. Instead of going to court with them concerning this can I schedule a payment plan with them, lets say $500 a month for 4 months. I can't pay all at once right now. But I can't pay this unless they unfreeze my accounts for God sakes. What can I do to make them unfreeze accounts while satisfying them using a payment plan of only 3 to four months. I just don't want to go through so much paperwork and court for them to unfreeze account because it can take weeks and in the meantime I have to pay bills. If I can avoid all this by satisfying the debt somehow quickly. Also, On the " motion for garnishment after judgement" and the other paper "writ of garnishment" states the following. The judgement remains unsatisfied and the amount due and unpaid on the judgement as of the date of this motion, inclusive of past judgement interest and costs, if any, is $1991.23. Yet they froze $2000 more than what is owed. Plus another $125 for another account in the same bank, not all of it. I want to pay them but in installments of 3 or 4 months now that I am getting back on my feet. I was ill and in a bed for 8 months. Thats why I didn't finish paying the debt on time.


Asked on 4/25/15, 10:54 pm

1 Answer from Attorneys
William Gwaltney William W. Gwaltney, Attorneys at Law

Obviously, this creditor has a judgment against you because you didn't completely pay a financial obligation. I understand you want to make monthly payments, but why should they release your money to accept your word that they will get paid off in 3 months? That is unless they do not have a legal right to keep it. You should either contact an attorney or research the exemptions to garnishment that may be available. It is in your best interest to respond to the Garnishment through the courts, whether you want to or not. You may have some defenses, but it is not clear from your post.

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Answered on 4/27/15, 10:30 am


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