Debt Collectors

Apr 19, 2010

separate debts and joint accounts
by: Gerri

Thanks for submitting your debt collection question on our Q&A page.

I can't think of a situation where debt collector could go after your girlfriend's individual bank account for a debt that belongs only to you.

As we explained in our e-book Debt Collection Answers, generally a collector must first take you to court and win a judgment before being able to seize funds from your bank account. That's not the case with all types of debts, but generally applies to consumer debts like past-due credit card bills.

It sounds like you are facing some collection calls or letters. I would recommend that you at least at a minimum
read the first chapter of Debt Collection Answers online for free see you can get an overview of your rights when dealing with these debt collectors.

I would also suggest you use our Free Debt Collection Worksheet to keep track of all your conversations with the collectors.

Of course, this is meant as educational advice not legal advice. If you have questions about your legal rights when dealing with debt collectors or if you think a debt collector has broken the law, you can contact a local consumer law attorney with experience in debt collection cases. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

Debt Collectors

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