Legal Question in Credit and Debt Law in Michigan

My Social Security Disability has been garnisheed three times now. The first time they tied up my entire months money. I had just mailed bills & I had every one of them bounce with fees to boot. The next time there wasn't any money in the account, but I was charged by the credit union for searching. This last time (yesterday), they took the last $50.00 I left in my account to pay for my meds. I'm a diabetic & I need my meds. The credit union also charged me for the search & for taking the money. My money has been direct deposit so it's a bunch of bull when they claim they don't know where the money comes from when it is direct to them. If the disability is exempt why can they keep doing this? I have to pay to go to court to get it released which I will do. The judge looks at the paperwork and throws it out. It's a matter of not letting them get away with it. I would pay for this advice but I don't have any money now, in fact I have to put money back in my account to keep the minimum $5.00 in it to keep it open. If it wasn't for my home equity loan which I took out years ago, I would just close the accounts. I can't use them anyway. All advice would be greatly appreciated.


Asked on 6/10/10, 6:43 pm

1 Answer from Attorneys
Charles Williamson Charles J. Williamson, Attorney At Law

I have been working on a test case exactly like yours, here in Texas, for over a year and a half. It is too complicated to explain to you in this format. If you will email me, I will use your email address to send you four appellate briefs that I have written and have on file with an appellate court here in Texas, where the case is currently under review. The work I've done will give you all the information you need to know about the process and how its missused by debt collectors and state Attorney Generals' offices. Bottom line: You are RIGHT! However, you need to know the dirty tricks and how to fight against it. Charles.

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Answered on 6/12/10, 6:07 am


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