Legal Question in Credit and Debt Law in Virginia

Judgement And Bank Freeze

I have a judgment on my record for a bad check, the judgment was issued in October at my old address we moved in September. I have received no notification other than 2 days ago when a notice of intent to garnish was placed on the door at my current address. The creditor has frozen my bank account, this morning. My credit union is sending a check for the judgment, but the collection agency rep refuses to unfreeze my account, until they have the payment in hand. I am disabled and receive SSDI, and my husband makes a meager wage. We need the account unfrozen within 2-3 days to make our electric payment, or it gets cut off. I am absolutely in a desperate situation. I am on a transplant list, and doing the best I can. I never even received notification about the check from the grocery store, but did speak with them today and believe the debt is valid. The collection agency rep yelled at me and mocked me, calling me pathetic. Is there any recourse I have at all?


Asked on 3/18/08, 5:44 pm

1 Answer from Attorneys
Robert Strupp Robert J. Strupp,Attorney at Law, PLC

Re: Judgement And Bank Freeze

Not unfreezing the account may be proper. They actualy need to have the money in hand. However, the collection agency mocking you, is uncalled for and may be actionable. Aso, you may be eligible for some assistance with respect to the electric bill. I would call your local bar association for referal to legal aid, and maybe the local TV stations.

Best of luck.

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Answered on 3/18/08, 5:56 pm


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